Originally Posted by
David-A
I would dispute the use of 'most'. While I don't have any stats (and how you would measure their weighting is different issue), but there are many many that do not have what you describe.
Indeed. The majority of the schemes I am a member of do NOT have what you describe.
So, for me, 'most' don't.
I said I THINK most other ...etc. So I was wrong, sorry.