Could I ask who's calling? http://landofthewaterfalls.com/buy-auvitra.pdf auvitra biverkningar  One of the problems is that many of the pension companies keen to take your business a couple of decades ago have all but ceased – these "zombie" life insurers are closed to new customers and stay in business merely to run down existing savers' pots. They have no incentive to keep costs down or deliver decent investment growth.