[wpietri]

> I don't think this is a good solution. [...] Should have financial people show [...]

Friend, if you have a better way to solve the problem, go solve the problem. I'm sure that nothing would make the DWP folks happier than to have nobody need them anymore.

But until then, maybe consider keeping your opinion-hole closed? There are few things I find less helpful on HN than nominally smart people that come in and denigrate somebody else's solution to a problem that they have absolutely no intention of solving themselves.