This monograph explores the historical position of pensions law in the UK and the recent influences which have led to the introduction of Auto-Enrolment and subsequent reforms. Alternative models, such as the US and Australia, are also considered as well as the function of law in bringing about political changes. The question of saving for retirement is of national and international importance and many governments are wrestling with the issue of how to deal with the pension funding crisis. Consequently political policy has, in many cases, combined with behavioural science to inform new laws which have acted to shift the burden from the state into the private sector. Around the world responsibility is being moved onto individuals and employers as the state retreats from provision of state support in retirement; this book offers a sophisticated analysis of the role of legal intervention to facilitate this shift. The book explores the work of behavioural economics, its global influence on understanding financial decision-making and its application to legislation which seeks to influence consumer outcomes. Drawing on qualitative empirical research to explore the experience of implementation of Auto-Enrolment, this timely work considers the interaction with the work of behavioural science to highlight the social costs of the new regulatory regime.

This monograph explores the historical position of pensions law in the UK and the recent influences which have led to the introduction of Auto-Enrolment and subsequent reforms. Alternative models, such as the US and Australia, are also considered as well as the function of law in bringing about political changes. The question of saving for retirement is of national and international importance and many governments are wrestling with the issue of how to deal with the pension funding crisis. Consequently political policy has, in many cases, combined with behavioural science to inform new laws which have acted to shift the burden from the state into the private sector. Around the world responsibility is being moved onto individuals and employers as the state retreats from provision of state support in retirement; this book offers a sophisticated analysis of the role of legal intervention to facilitate this shift. The book explores the work of behavioural economics, its global influence on understanding financial decision-making and its application to legislation which seeks to influence consumer outcomes. Drawing on qualitative empirical research to explore the experience of implementation of Auto-Enrolment, this timely work considers the interaction with the work of behavioural science to highlight the social costs of the new regulatory regime.

This ambitious work chronicles 250 years of the Cromartie family genealogical history. Included in the index of nearly fifty thousand names are the current generations, and all of those preceding, which trace ancestry to our family patriarch, William Cromartie, who was born in 1731 in Orkney, Scotland, and his second wife, Ruhamah Doane, who was born in 1745. Arriving in America in 1758, William Cromartie settled and developed a plantation on South River, a tributary of the Cape Fear near Wilmington, North Carolina. On April 2, 1766, William married Ruhamah Doane, a fifth-generation descendant of a Mayflower passenger to Plymouth, Stephen Hopkins. If Cromartie is your last name or that of one of your blood relatives, it is almost certain that you can trace your ancestry to one of the thirteen children of William Cromartie, his first wife, and Ruhamah Doane, who became the founding ancestors of our Cromartie family in America: William Jr., James, Thankful, Elizabeth, Hannah Ruhamah, Alexander, John, Margaret Nancy, Mary, Catherine, Jean, Peter Patrick, and Ann E. Cromartie. These four volumes hold an account of the descent of each of these first-generation Cromarties in America, including personal anecdotes, photographs, copies of family bibles, wills, and other historical documents. Their pages hold a personal record of our ancestors and where you belong in the Cromartie family tree.

This ambitious work chronicles 250 years of the Cromartie family genealogical history. Included in the index of nearly fifty thousand names are the current generations, and all of those preceding, which trace ancestry to our family patriarch, William Cromartie, who was born in 1731 in Orkney, Scotland, and his second wife, Ruhamah Doane, who was born in 1745.

Arriving in America in 1758, William Cromartie settled and developed a plantation on South River, a tributary of the Cape Fear near Wilmington, North Carolina. On April 2, 1766, William married Ruhamah Doane, a fifth-generation descendant of a Mayflower passenger to Plymouth, Stephen Hopkins. If Cromartie is your last name or that of one of your blood relatives, it is almost certain that you can trace your ancestry to one of the thirteen children of William Cromartie, his first wife, and Ruhamah Doane, who became the founding ancestors of our Cromartie family in America: William, Jr, James, Thankful, Elizabeth, Hannah Ruhamah, Alexander, John, Margaret Nancy, Mary, Catherine, Jean, Peter Patrick, and Ann E. Cromartie.

These four volumes hold an account of the descent of each of these first-generation Cromarties in America, including personal anecdotes, photographs, copies of family bibles, wills, and other historical documents. Their pages hold a personal record of our ancestors and where you belong in the Cromartie family tree.

This ambitious work chronicles 250 years of the Cromartie Family genealogical history. Included in the index of nearly 50,000 names are the current generations, and all of those preceding, which trace ancestry to our family patriarch, William Cromartie who was born in 1731 in Orkney, Scotland and his second wife, Ruhamah Doane who was born in 1745.

Arriving in America in 1758, William Cromartie settled and developed a plantation on South River, a tributary of the Cape Fear near Wilmington, North Carolina. On April 2, 1766, William married Ruhamah Doane, a fifth generation descendant of a Mayflower passenger to Plymouth, Stephen Hopkins. If Cromartie is your last name, or that of one of your blood relatives, it is almost certain that you can trace your ancestry to one of the thirteen children of William Cromartie, his first wife, and Ruhamah Doane, who became the founding ancestors of our Cromartie Family in America: William Jr, James, Thankful, Elizabeth, Hannah Ruhamah, Alexander, John, Margaret Nancy, Mary, Catherine, Jean, Peter Patrick, and Ann E. Cromartie.

These four volumes hold an account of the descent of each of these first-generation Cromarties in America, including personal antidotes, photographs, copies of family Bibles, wills and other historical documents. Their pages hold a personal record of our ancestors and where you belong in the Cromartie Family Tree.

This ambitious work chronicles 250 years of the Cromartie family genealogical history. Included in the index of nearly fifty thousand names are the current generations, and all of those preceding, which trace ancestry to our family patriarch, William Cromartie, who was born in 1731 in Orkney, Scotland, and his second wife, Ruhamah Doane, who was born in 1745.

Arriving in America in 1758, William Cromartie settled and developed a plantation on South River, a tributary of the Cape Fear near Wilmington, North Carolina. On April 2, 1766, William married Ruhamah Doane, a fifth-generation descendant of a Mayflower passenger to Plymouth, Stephen Hopkins. If Cromartie is your last name or that of one of your blood relatives, it is almost certain that you can trace your ancestry to one of the thirteen children of William Cromartie, his first wife, and Ruhamah Doane, who became the founding ancestors of our Cromartie family in America: William Jr., James, Thankful, Elizabeth, Hannah Ruhamah, Alexander, John, Margaret Nancy, Mary, Catherine, Jean, Peter Patrick, and Ann E. Cromartie.

These four volumes hold an account of the descent of each of these first-generation Cromarties in America, including personal anecdotes, photographs, copies of family bibles, wills, and other historical documents. Their pages hold a personal record of our ancestors and where you belong in the Cromartie family tree.