Ice cold pensions

I guess this is where the life of a masters athlete differs from that of an international athlete.
I was back with the Mountbatten school early morning runners - 7.30am and the car claimed it was -4 degrees Celsius. My group was slightly down in size, but still not a bad turnout. This week at least two of them have realized that T-shirt and shorts won't keep you warm in this weather. The rest undergo yet another practical lesson in thermodynamics. Good run though - couple of miles around Whitenap and Halterworth.
Now that pension...

I had a gym session penciled in for the evening, but I've realized that time is running out to get my pension stuff in for the end of the tax year and sort out all those tax breaks I'm being offered. Does Paula have to worry about all this?
The good news is that its now all sorted and I've managed to secure a tax free bike for the year so even the most boring tasks can have silver lining.