Thank you for downloading more or less from the BBC.

This is the version of the programme first broadcast on BBC Radio 4.

Here's Tim Halford.

Hello and welcome to more or less,

the programme which welcomes the new year with the same resolution as always.

To seek and destroy zombie statistics everywhere.

Today we'll be looking at some tragic topics.

Christians being martyred for their faith and cyclists being killed on the roads.

But we'll have some lighter moments too, notably an abject apology from an Australian.

And before all that, let's talk about pensions.

The government recently announced proposals to cap management fees on workplace pension schemes.

The department for work and pensions stated that if the annual fee was halved from 1.5%

to 3.4%, this could boost a hypothetical pension pot by £100,000,

which sounds like a big saving from a small tweak,

especially since that hypothetical pension pot had only received about £55,000 worth of contributions.

Well, a number of listeners emailed us to say they simply didn't believe the numbers being quoted.

So we invited one of them, Jeff Pierce, into more or less towers to show him how the numbers do add up.

Jeff, you very kind of agreed to join us. Why were you suspicious of this figure?

My first thought was that it was that figure, £100,000.

It's a lot of money, and it seemed a bit of a headline.

I always found a number that would be so suspicious of everyone wants to save £100,000.

But then I looked at what was being said in terms of the contribution of £100 a month

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