Instead of trying to hector, lecture and frighten people into making bigger pension contributions, offer them a less immediately painful choice.

Eurozone governments have a simple but painful choice to make.

When they have to make a painful choice, they often cannot give the real reasons behind their actions.

Yesterday's announcement could remove the painful choice.

It was a painful choice, but the schools board decided to sell one of its buildings, so that bills could be paid and agreements kept.