Time on the dole has just been cut back by three months.

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But if you had told me to just to cut back, the cutback would have been an arbitrary number, rather than an informed decision.

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If faced with a 10% fall in income, most respondents said they would cut spending on food, clothing and going out first, and just 5% would cut back on pension contributions.

BBC: Scots gender retirement savings gap 'at record high'