Or those waiting for the correct rank and years to make the pension worth anything. Sadly the FRI (if any) will affect tax credits & child benefit for some, therefore worth considering if taking the sum is worth it. Perhaps AVCs is the option.
For me, putting a Typhoon Sqn (4-shifts) into Cyprus would fix most things. Instead of being an enduring Op since 2013? (illuminous, then shader?). Anything east is covered by them, the UK people push forward and back fill the gaps. Families are happy, techies are happy...win-win.