However, many pension experts argued that this would put off higher earners from taking pensions and spell the demise of workplace schemes.

That in turn would effectively spell the demise of the hybrids.

But the death of a painter doesn't spell the demise of a dealer.

They have been welcomed by medics and patients and their use may soon be rolled out, spelling the demise of the backless horror.

As no attempt was made to bring in replacement staff to perform audio commentaries, or to create bonus features, the release schedule dropped, ultimately spelling the demise of the company.