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It is based on the I.D.card but with added features, a 1.5% to 4% personal added tax, everything you buy which has VAT will have an additional P.A.T added which will be credited to your account, in exactly the same machine as a credit uses, this can also include mortgage payments, this small added tax will be the basis of a personal pension fund The government would give a yearly interest on the funds in your card account at base rate, the funds accrued, unlike pension funds, will not be invested on the stock market and at retirement age you have your own pension fund which will not be reinvested to give you an annuity as it is today
A young couple could use it to save up a deposit on a house, the government would guarantee the funds when you have enough in your account. Other features of the card include: immigration, without this card they cannot work here nor get hospital treatment, it also stops Medical tourists they will have to pay for their treatment. Married people with families will get a yearly bonus added to their cards from the government to encourage marriage as the basis of family life again.
If people divorce there would be no problems about splitting the husbands pension,as each have their own. The card account will be transferable to the surviving spouse in the case of death, ensuring the money is not lost into the government coffers, this in effect is another form of insurance.
If the card is stolen, the pension on it cannot be used by anyone but the real holder due to the security features and then only at retirement age, this solution, although not perfect, is an answer to more than one problem. Every child at birth will receive a 500 pound start, they will have their own card at 16 years of age and can start saving as they spend. Even unemployed people will be able to add to their card when they purchase things so it really is a must have card and will benefit every citizen of Great Britain | 
