英语听力精选进阶版 16348（在线收听）

Scotland decides: 13 September 2014

Sat, 13 Sep 14

Scotland decides ; as the referendum looms we answer listeners questions on banking and pensions , from both sides of the border. Jewellery Insurance Heist? Bob Howard reports and Pensions Freedom we talk to one listener who transferred his fund from a final salary scheme into a non guaranteed fund and halved his pension entitlement.