@lancsHQ Lived in Bury '18-'21 and always thought it was quite a bustling little town (the market helps). I liked it (especially compared with Rochdale/Oldham/Bolton) but it was unquestionably 'on a journey' even then. A real shame.
@GayTory Yep, I contribute regularly to SIPP/ISA so if I'm to be made ineligible for State Pension as a consequence I'd much rather keep my NI contributions and invest them myself.