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Taking the tax-free lump sum and investing into an Isa will give him some financial flexibility and strike a balance between the security of the state pension and the annuity and the freedom he could enjoy if he just put all his money in drawdown." McPhail adds that with the 10,000 tax-free lump sum our smoker should leave around half in cash on deposit, and "half in either a multi-manager fund or for a single fund like Artemis income, which is yielding 3.7% at present"

He himself was not in attendance, but would later be informed of how a group of ten young women, walking up and down Fifth Avenue, contentedly lit up cigarette after cigarette, while Bertha Hunt fulfilled her role professionally as the purported initiator of the campaign