E DUC. 38 If group discussions are a critical part of the class, these groups should be formed early in the semester to develop cohesiveness and effective sharing of resources and knowledge. 39 In a face to face class, that means that copies are distributed to the students during class.
The state provides basic pension provision intended to prevent poverty in old age. Until 2010 men over the age of 65 and women over the age of 60 were entitled to claim state pension; from April 2010 the age for women is gradually being harmonised to match that for men.
Since 2010 the state pension age for women has been changing to bring it in line with the male age of 65. By 2016 the retirement age for women will have risen to 63. Moving up: By mid 2016 the state pension age for women will be around 63. It had been expected that the women's state pension age would rise to 65 by 2020.