"Mr. Brown. LET ME SPELL IT OUT TO YOU. I do not pay tax at 22% so the cut to 20% does not help me. I cannot claim pension credit (which is not taxed) because my private pension puts me £2 over the cut off. (Private pension is taxed.) State Pension £5148. Private Pension £1622. Personal Tax Allowance £5,435 Taxable income £1,335. Tax 07/08 £135 Tax 08/09 £270. I can do the maths. Why can't you? - Barbara, north east"