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DEPARTMENT FOR SOCIAL DEVELOPMENT BRIEFING ON PENSIONS BILL

Peter McCallion
Committee Clerk
Committee for Social Development
Room 406
Parliament Buildings
BELFAST
BT4 3XX 1st March 2011

Dear Sir

Westminster Pensions Bill: Request for Committee support for a Legislative Consent Motion and briefing on the content of the Bill.

Please find enclosed papers relating to the Pensions Bill introduced at Westminster on 12 January 2011. The Bill contains measures reforming aspects of both State and private pension provision. A full explanation is set out in the briefing paper at Appendix 2.

A number of provisions in the Bill deal with transferred matters. These relate to the Financial Assistance Scheme and judicial pensions for a small number of Offices. A legislative Consent Motion approved by the Assembly will be required to enable the provisions in question to extend to Northern Ireland. I would be grateful if you could bring the paper attached at Appendix 1 to the attention of the Committee.

The proposed increase in State Pension age is one of a number of changes to the welfare system which the Coalition Government has announced. Minister Attwood has made clear his concerns about the effect that some of the proposals will have on people in Northern Ireland. The Department will produce an Equality Impact Assessment on the content of the Bill and publish it for consultation. Only after that process has been completed will Minister Attwood make a final decision on the way forward in Northern Ireland.

Yours faithfully

Anne McCleary

Director,

Social Security Policy & Legislation Division

Appendix 1

WESTMINSTER PENSIONS BILL – Legislative Consent Motion

INTRODUCTION

1. This paper seeks the Committee’s support for the extension to Northern Ireland of provisions relating to the Financial Assistance Scheme and judicial pensions contained in the Westminster Pensions Bill introduced at Westminster on 12 January 2011. The wording of the proposed Motion is as follows:

“That this Assembly endorses the principle of the extension to Northern Ireland of provisions of the Pensions Bill dealing with the financial assistance scheme and contributions towards cost of judicial pensions etc.”

2. The Bill contains proposals concerning:

  • State Pension;
  • Automatic enrolment into workplace pensions;
  • Occupational Pension Schemes and Pension Compensation, including amendments to legislation governing the Financial Assistance Scheme and other miscellaneous amendments; and
  • Judicial Pensions.

3. Although ‘pensions’ is a transferred matter under the Northern Ireland Act 1998, the Financial Assistance Scheme operates on a UK-wide basis.

4. While the majority of Judicial Offices are excepted matters under Schedule 2 to the Northern Ireland Act 1998, a small number and a number of public investigative officers fall within the legislative competence of the Assembly.

5. Under the Memorandum of Understanding between central government and the devolved administrations, where Parliament intends to legislate on any transferred matter it is normal practice for the relevant Great Britain Minister to seek agreement from the devolved administration. Approval of a Legislative Consent Motion is, therefore, required to allow the provisions of the Bill dealing with the Financial Assistance Scheme and judicial pensions to extend to Northern Ireland.

BACKGROUND

The Financial Assistance Scheme

6. Clauses 18 and 19 of, and Schedule 4 to, the Bill amend existing legislation relating to the Financial Assistance Scheme. The Scheme was established under the Pensions Act 2004 and its functions are the responsibility of the Secretary of State for Work and Pensions.

7. It offers financial help to some people who lost-out on their pension where:

  • their occupational pension scheme started to wind up after 1 January 1997 and before 6 April 2005 (when the Pension Protection Fund came into operation); and
  • the scheme was under-funded; and
  • the employer is insolvent or no longer exists.

8. Assistance is also available to a surviving wife, husband or civil partner of a deceased member or former member of a qualifying pension scheme.

9. The provisions being amended already extend to Northern Ireland. The proposed changes do not alter how the Scheme operates or eligibility conditions:

  • They provide for the property, rights and liabilities of relevant pension schemes to be transferred to a prescribed person rather than the scheme manager. The prescribed person will be the Secretary of State for Work and Pensions. This clarifies the existing policy intention;
  • Under the current primary legislation, members who suffer ill health can access special “ill health” payments before their normal retirement age. These payments are actuarially reduced to reflect the fact that they are paid for longer and have to be legislated for separately; adding significant complexity and duplication to the Financial Assistance Scheme Regulations. The Bill makes an amendment which will enable the Secretary of State to legislate for ill health payments together with ordinary payments under the Financial Assistance Scheme.

Judicial Pensions

10. In an interim report published in October 2010, the Independent Public Service Pension Commission recommended that the most effective way to make short term savings on public sector pensions is to increase member contributions.

11. The Bill introduces provisions into the judicial pension schemes to allow contributions to be taken towards the cost of providing personal pensions to members. The level of contributions has not yet been set.

12. Contributions will only be taken during the period in which an individual office holder is accruing pension benefits. However, if the office holder retires, resigns or is removed from office during that period, contributions will stop being taken from the date they leave office.

13. A number of the office holders covered by the scheme operate in the devolved area. Two posts are the responsibility of the Department for Social Development:

  • Member of a panel constituted under Article 7(1) of the Social Security ( Northern Ireland) Order 1998; and
  • President of Appeal Tribunals (Chapter 1 of Part II of the Social Security (Northern Ireland) Order 1998).

14. Responsibility for the other offices falls to the Department for Employment and Learning, the Office of the First Minister and Deputy First Minister and the Assembly Audit Committee.

15. The Minister for Employment and Learning is content for the Legislative Consent Motion to be brought forward. The agreement of the Office of the First Minister and Deputy First Minister and the Assembly Audit Committee is being sought.

EQUALITY IMPACT ASSESSMENT

16. The proposed amendments to the Financial Assistance Scheme have no implications for equality of opportunity.

17. The proposed changes in respect of judicial pensions will mean that office holders will pay pension contributions leading to a sharing of costs between taxpayers and members.

18. In an Equality Impact Assessment Screening, the Ministry of Justice estimates that around 2000 of the, approximately, 2,200 salaried office holders will make contributions. Data indicate that there are more male office holders overall, with a more equal split of women and men among younger judges who may be expected to pay additional pension contributions for longer.

19. For the purposes of the Legislative Consent Motion, the current post holders in Northern Ireland comprise 10 men and 3 women.

FINANCIAL IMPLICATIONS

20. There are no financial implications arising from the proposed changes to the Financial Assistance Scheme. The Ministry of Justice estimates that minimal administrative costs will arise from the changes to the Judicial Pensions Scheme. These will be absorbed within existing resources.

Human rights issues

21. The provisions of the Westminster Bill are considered to be compatible with the Human Rights Act 1998.

Timing

22. Assembly consent for the Legislative Consent Motion is required before the Westminster Bill reaches Third Reading in the Lords. This is expected by the end of March.

Conclusion

23. The Committee is requested to agree to the extension to Northern Ireland of the relevant provisions of the Westminster Pensions Bill and to indicate their support for the Legislative Consent Motion.

Appendix 2

BRIEFING NOTE FOR COMMITTEE FOR SOCIAL DEVELOPMENT ON THE WESTMINSTER PENSIONS BILL 2011

Background

1. The Pensions Bill introduced at Westminster on 12 January 2010 contains proposals relating to:

  • State Pension;
  • Automatic enrolment into workplace pensions;
  • Occupational Pension Schemes and Pension Compensation and other miscellaneous amendments; and
  • Judicial Pensions.

State Pension

2. The Bill makes provision for State Pension, in particular, for accelerating the equalisation of State Pension age for men and women and the increase of pension age to 66. Under existing legislation, State Pension age for women is scheduled to equalise with that of men at 65 by 2020 and to increase to 66 for men and women by April 2026, 67 by April 2036 and 68 by April 2046.

3. In June 2010, the Westminster Government announced a review of the timetable for increasing State Pension age to 66. The response was published in November 2010 in the White Paper “A sustainable State Pension: when the State Pension age will increase to 66” (Cm 7956) which proposed changes to the timetable for increasing State Pension age to 66. The Bill implements the revised timetable.

Automatic enrolment into workplace pensions

4. The Pensions Act 2008 introduced a requirement for all employers to automatically enrol eligible employees into a qualifying workplace pension scheme from 2012. An independent review was announced in June 2010 to examine the scope of the automatic enrolment policy. Recommendations were published in October 2010 in the report “Making Automatic Enrolment Work” and provide the basis for several measures in the Bill.

Occupational Pension Schemes and Pension Compensation

5. A number of proposals flow from the Westminster Government’s decision to use the Consumer Prices Index rather the Retail Prices Index as the general measure of inflation for up-rating of social security benefits, State Pensions, public sector pensions, private sector occupational pension schemes, Financial Assistance Scheme payments and pension compensation payments made by the Pension Protection Fund.

Judicial Pensions

6. In an interim report published in October 2010, the Independent Public Service Pension Commission recommended that the most effective way to make short term savings on public sector pensions is to increase member contributions. The Bill introduces provisions into the current judicial pension schemes to allow contributions to be taken towards the cost of providing personal pensions to members of those schemes.

Bill Overview

7. The Bill has five parts:

  • Part 1 (which includes Schedules 1, 2 and 3) introduces provisions for amending the State Pension framework. This includes bringing forward the equalisation of State Pension age and the increase to 66.
  • Part 2 contains measures to amend the automatic enrolment provisions for workplace pension schemes. This includes –
    • the introduction of an earnings trigger at which an employee must be automatically enrolled into a workplace pension and new up-rating provisions for the qualifying earnings band on which contributions are made;
    • the introduction of an optional waiting period of up to three months before the automatic enrolment duty commences; and
    • changes to the way an employer can certify that their pension scheme meets the necessary quality test.

Amendments are also made to incorrect references in previous legislation.

  • Part 3 (which includes Schedule 4) contains amendments regarding indexation and revaluation requirements for occupational pensions and payments from the Pension Protection Fund. Part 3 also contains provisions relating to the Pension Protection Fund, the Pensions Regulator and the Financial Assistance Scheme, and includes minor technical amendments to previous pension legislation.
  • Part 4 (which includes Schedule 5) introduces provisions to allow contributions to be taken from salaried judicial office holders and public investigative officers towards the cost of providing personal pension benefits.
  • Part 5 contains miscellaneous and technical measures.

Detail

Part 1: State Pension

8. Part 1 deals with changes relating to the increase in State Pension age for men and women, the abolition of Payable Uprated Contracted-out Deductions and consolidation of the Additional Pension.

State Pension Age

9. Under existing legislation, women’s State Pension will increase to 65 by 2020. State Pension age for men and women will increase to 66 by April 2026, 67 by April 2036 and 68 by April 2046. The increase to 66 is being brought forward to April 2020. As a result, women’s State Pension age will reach age 65 by November 2018 rather than April 2020. The effects of these measures are set out in Annex 1 and Annex 2.

Abolition of Payable Uprated Contracted-out Deduction Increments

10. Provision is made for the abolition of Payable Uprated Contracted-out Deduction Increments, or “top-up” amounts for new awards. These are paid by the State to take account of the fact that occupational pension schemes provide only limited indexation on extra amounts gained by postponing a private pension – the Guaranteed Minimum Pension increments. Top-up payments do not apply to periods of contracted-out employment after April 1997. Existing awards will not be affected.

Consolidation of Additional State Pension

11. Existing legislation provides for the consolidation of the various elements of additional State Pension to provide a single value, enabling easier prediction of entitlement in retirement. The Bill provides a power to set the start date for this by Order.

Part 2: Automatic enrolment

12. Part 2 amends the regulatory framework relating to the duty on employers, introduced by the Pensions Act 2008, to automatically enrol eligible workers into a qualifying pension scheme:

  • An employer must not take any action or make any omission which results in a jobholder ceasing to be a member of a qualifying scheme unless he arranges for the jobholder to become a member of another qualifying scheme within a prescribed period. However, there is no duty on the employer to do so and the jobholder’s consent is required. Where the jobholder does not consent, the employer may be in breach of the law. The Bill provides that the employer is not in breach of their duty if they re-enrol a jobholder in a qualifying scheme within a prescribed period.
  • An “earnings trigger” for automatic enrolment will be introduced. A jobholder will not be eligible for automatic enrolment or, with some exceptions, re-enrolment unless they earn in excess of £7,475 per annum.
  • Provision is made for employers to defer the automatic enrolment date of a worker for up to three months by providing them with a notice. The waiting period may apply from one of three dates:
  • the employer’s staging date (the date from which an employer is required to comply with the automatic enrolment duty);
  • the worker’s first day of employment with that employer (where that falls after the employer’s staging date); or
  • the first day on which a worker is eligible for automatic enrolment whilst employed by that employer. This could be, for example, the day on which the worker turns 22 or their earnings change, so that they become a jobholder who is eligible for automatic enrolment.
  • The Secretary of State must consider in each year whether the amounts of the automatic enrolment earnings trigger and qualifying earnings band should be increased or decreased.
  • Employers using money purchase occupational pension schemes, personal pension schemes or certain types of hybrid schemes will be able to certify that their scheme satisfies the quality requirements if it meets requirements prescribed in regulations.
  • The Pensions Act 2008 allows employers using defined benefits and hybrid schemes to adjust gradually to the additional costs of the automatic enrolment reforms. The Bill provides that employers can choose whether or not to defer automatic enrolment until the end of a transitional period set out in regulations.
  • Managers, as well as trustees, of occupational pension schemes will be able to modify the scheme to comply with the requirements for an automatic enrolment scheme or the requirements as to the payment of contributions.
  • A trustee or manager who has received a fixed or escalating penalty for failure to comply with the employer duties will not be able to take monies from scheme funds to pay the penalty.

Part 3 – Occupational Pension Schemes, the Pension Protection Fund and the Financial Assistance Scheme

13. Part 3 covers comparatively minor amendments regarding indexation and revaluation requirements for occupational pensions and payments from the Pension Protection Fund following the decision to use the Consumer Prices Index rather than the Retail Prices Index for up-rating purposes.

Indexation and Revaluation

  • Schemes providing full uncapped revaluation of deferred members’ preserved pensions may do so without reference to statutory revaluation requirements provided they maintain (in the opinion of the Secretary of State) the value of pensions by reference to the rise in the general level of prices.
  • Schemes may continue to increase pensions in payment under scheme rules. Schemes will be able to increase by Retail Prices Index , the Consumer Prices Index or a combination of the two, depending on scheme rules.
  • The Secretary of State is empowered to prescribe that (as a minimum) pension credit benefit (arising from a pension share on divorce) paid by an occupational pension scheme must be increased by reference to the percentage increase in the general level of prices determined by the Secretary of State for the purpose of the statutory revaluation requirements.
  • Reference to the Retail Prices Index in relation to the calculation of indexation increases for pension compensation paid by the Pension Protection Fund is replaced by reference to the rise in the general level of prices.
  • Currently, Scheme members with cash balance benefits buying or receiving an annuity or being paid a scheme pension must be indexed to at least the lower of the Retail Prices Index or five per cent and accruals post 2005 must be indexed at the lower of Retail Prices Index or 2.5 per cent. The Bill removes this requirement but the amendment will not apply to pensions or annuities already in payment prior to the provisions coming into force.

Pension Protection Fund

  • The Board of the Pension Protection Fund may, where it is able to do so, determine the funding position of an eligible pension scheme without obtaining a fresh actuarial valuation.
  • A determination made by the Board in cases where it has decided that an actuarial valuation is not required will be reviewable.
  • The requirement that an application for reconsideration must include a protected benefits quotation (a quote from an insurance company of the cost of purchasing annuities providing each scheme member with benefits equivalent to either the lower of the compensation which they would receive if their scheme transferred to the Pension Protection Fund or their scheme benefits) is removed.
  • The requirement that an assessment period must last for a minimum of 12 months is removed. This will enable the Board to bring schemes within the Pension Protection Fund earlier.
  • People will be able to postpone their pension compensation past their normal pension age.

Financial Assistance Scheme

Amendments are made to the Financial Assistance Scheme in relation to the amount of payments and the transfer of assets. Subject to Ministerial and Executive approval and the Committee’s agreement, these provisions will extend to Northern Ireland.

  • The Secretary of State is empowered to prescribe circumstances in which specified minimum percentages of annual and initial payments do not apply. Currently, this applies where the member receives an actuarially reduced ill-health payment or where the survivors of a polygamous marriage share the amount payable and as a result get less than half the member’s payment. The change does not impact on the amount paid to individuals under the Scheme but will allow for simplification of the Financial Assistance Scheme regulations.
  • The property, rights and liabilities of pension schemes qualifying for the Financial Assistance Scheme will be transferred to a ‘prescribed person’ rather than ‘the scheme manager’. It is the intention that the prescribed person will be the Secretary of State. This clarifies the policy intention.

Part 4 – Judicial pensions

14. Part 4 introduces provisions into the judicial pension schemes to allow contributions to be taken towards the cost of providing personal pension benefits to members of the scheme. Contributions will only be taken during the period in which an individual office holder is accruing full pension benefits. However if the office holder retires, resigns, or is removed from office during such period, contributions will stop being taken from the date he or she leaves office.

15. While the majority of Judicial Offices are excepted matters under Schedule 2 to the Northern Ireland Act 1998, a small number and a number of public investigative officers fall within the legislative competence of the Assembly. A Legislative Consent Motion is, therefore, necessary.

Part 5 – Miscellaneous and general provisions

16. Part 5 makes a number of technical amendments to existing legislation to:

  • enable the Secretary of State to make grants to pensions advisory bodies or those undertaking other specified functions in relation to pensions;
  • introduce a ‘service rule’ to provide a means of proving that a notice or other document authorised or required by the legislation was sent to its intended recipient. It specifies the persons to whom the notification or documents are to be sent and the manner in which they can be properly served on them.

Annex 1

Changes to State Pension age equalisation timetable (women)

Date of Birth

Date state pension age reached under current timetable

State Pension age under current timetable

(years/months)

Date state pension age reached under revised timetable

New State Pension age

(years/ months)

6 Apr 1953 – 5 May 1953

6 May 2016

63.1 – 63.0

6 July 2016

63.3 – 63.2

6 May 1953 – 5 Jun 1953

6 July 2016

63.2 – 63.1

6 Nov 2016

63.6 – 63.5

6 Jun 1953 – 5 Jul 1953

6 Sept 2016

63.3 – 63.2

6 March 2017

63.9 – 63.8

6 Jul 1953 – 5 Aug 1953

6 Nov 2016

63.4 – 63.3

6 July 2017

64.0 – 63.11

6 Aug 1953 – 5 Sept 1953

6 January 2017

63.5 – 63.4

6 Nov 2017

64.3 – 64.2

6 Sept 1953 – 5 Oct 1953

6 March 2017

63.6 – 63.5

6 March 2018

64.6 – 64.5

6 Oct 1953 – 5 Nov 1953

6 May 2017

63.7 – 63.6

6 July 2018

64.9 – 64.8

6 Nov 1953 – 5 Dec 1953

6 July 2017

63.8 – 63.7

6 Nov 2018

65.0 – 64.11

 

Annex 2

Increase in State Pension age from 65 to 66 (men and women )

WOMEN

MEN

Period within which birthday

falls

Date state pension age reached - current timetable

State pension age reached - revised timetable

New state pension age (years/

months)

Period within which birthday

falls

state pension age - current timetable

Date state pension age reached - revised timetable

New state pension age (years/

months)

6 Dec 1953–

5 Jan 1954

6 Sept 2017

6 Mar 2019

65.3– 65.2

6 Dec 1953–

5 Jan 1954

65

6 Mar 2019

65.2 – 65.3

6 Jan 1954–

5 Feb 1954

6 Nov 2017

6 Jul 2019

65.6–65.5

6 Jan 1954– 5 Feb 1954

65

6 Jul 2019

65.5 – 65.6

6 Feb 1954–

5 Mar 1954

6 Jan 2018

6 Nov 2019

65.9–65.8

6 Feb 1954– 5 Mar 1954

65

6 Nov 2019

65.8 – 65.9

6 Mar 1954–

5 Apr 1954

6 Mar 2018

6 Mar 2020

66.0-65.11

6 Mar 1954–

5 Apr 1954

65

6 Mar 2020

65.11 – 66.0

6 Apr 1954 –

5 May 1954

6 May 2018

6 Apr 2020 –

5 May 2020

66

6 Apr 1954 –

5 May 1954

65

6 Apr 2020–

5 May 2020

66

6 May1954–

5 Jun 1954

6 Jul 2018

6 May 2020 –

5 Jun 2020

66

6 May1954–

5 Jun1954

65

6 May2020–

5 Jun 2020

66

6 Jun1954 –

5 Jul 1954

6 Sept 2018

6 Jun 2020 –

5 Jul 2020

66

6 Jun1954 –

5 Jul 1954

65

6 Jun2020 –

5 Jul 2020

66

6 Jul1954 –

5 Aug 1954

6 Nov 2018

6 Jul 2020 –

5 Aug 2020

66

6 Jul 1954 –

5 Aug 1954

65

6 Jul 2020 –

5 Aug 2020

66

6 Aug1954 –

5 Sept 1954

6 Jan 2019

6 Aug 2020 –

5 Sept 2020

66

6 Aug1954 –

5 Sept 1954

65

6 Aug2020–

5 Sept 2020

66

6 Sept1954–

5 Oct 1954

6 Mar 2019

6 Sept 2020 –

5 Oct 2020

66

6 Sept1954–

5 Oct1954

65

6 Sept2020–

5 Oct 2020

66

6 Oct 1954 –

5 Nov 1954

6 May 2019

6 Oct 2020 –

5 Nov 2020

66

6 Oct 1954 –

5 Nov 1954

65

6 Oct 2020–

5 Nov 2020

66

6 Nov 1954–

5 Dec 1954

6 July 2019

6 Nov 2020 –

5 Dec 2020

66

6 Nov1954 –

5 Dec 1954

65

6 Nov2020–

5 Dec 2020

66

6 Dec 1954-

5 Jan 1955

6 Sept 2019

6 Dec 2020 –

5 Jan 2021

66

6 Dec 1954-

5 Jan 1955

65

6Dec 2020–

5 Jan 2021

66

6 Jan1955 –

5 Feb 1955

6 Nov 2019

6 Jan 2021 –

5 Feb 2021

66

6 Jan1955 –

5 Feb 1955

65

6 Jan 2021–

5 Feb 2021

66

6 Feb1955 –

5 Mar 1955

6 Jan 2020

6 Feb 2021 –

5 Mar 2021

66

6 Feb1955 –

5 Mar 1955

65

6 Feb2021–

5 Mar 2021

66

6 Mar1955 –

5 Apr 1955

6 Mar 2020

6 Mar 2021 –

5 Apr 2021

66

6 Mar1955 –

5 Apr 1955

65

6 Mar2021–

5 Apr 2021

66

6 Apr 1955 -

5 Apr 1959

65 th birthday

66th birthday

66

6 Apr 1955 -

5 Apr 1959

65

66th birthday

66

6 Apr 1959 –

5 May 1959

6 May 2024

66th birthday

66

6 Apr 1959 –

5 May 1959

6May2024

66th birthday

66

6 May1959–

5 Jun 1959

6 Jul 2024

66th birthday

66

6 May1959–

5 Jun 1959

6 Jul 2024

66th birthday

66

6 Jun1959 –

5 Jul 1959

6 Sept 2024

66th birthday

66

6June1959–

5 Jul 1959

6Sept2024

66th birthday

66

6 Jul 1959 –

5 Aug 1959

6 Nov 2024

66th birthday

66

6 Jul 1959 –

5 Aug 1959

6Nov 2024

66th birthday

66

6 Aug1959 –

5 Sept 1959

6 Jan 2025

66th birthday

66

6 Aug1959 –

5 Sept 1959

6 Jan2025

66th birthday

66

6 Sept1959–

5 Oct 1959

6 Mar 2025

66th birthday

66

6 Sept1959–

5 Oct 1959

6 Mar2025

66th birthday

66

6 Oct 1959 –

5 Nov 1959

6 May 2025

66th birthday

66

6 Oct 1959 –

5 Nov 1959

6May2025

66th birthday

66

6 Nov1959 –

5 Dec 1959

6 July 2025

66th birthday

66

6 Nov 1959–

5 Dec 1959

6 Jul 2025

66th birthday

66

6 Dec 1959–

5 Jan 1960

6 Sept 2025

66th birthday

66

6 Dec 1959–

5 Jan 1960

6Sept2025

66th birthday

66

6 Jan 1960–

5 Feb 1960

6 Nov 2025

66th birthday

66

6 Jan 1960–

5 Feb 1960

6 Nov2025

66th birthday

66

6 Feb 1960–

5 Mar 1960

6 Jan 2026

66th birthday

66

6 Feb 1960–

5 Mar 1960

6Jan 2025

66th birthday

66

6 Mar 1960–

5 Apr 1960

6 Mar 2026

66th birthday

66

6 Mar 1960–

5 Apr 1960

6Mar 2025

66th birthday

66

6 Apr 1960 –

5 Apr 1968

66 th birthday

66th birthday

66

6 Apr 1960 –

5 Apr 1968

66 thbirthday

66th birthday

66


 

 

 

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