// Country setup

imageDirectory = "/1/content/resources/ROI/tools/hpw/img/sl-pensions/roi/";

// Who pays in

progressBarText = "Progress";

whoPaysHeading = "Who pays in?";

ourGuide = "Here's our guide to how pensions work.";

whoPaysParagraph1 = "The government wants us all to save for retirement so the taxman gives tax relief on payments you make to your pension.";

whoPaysParagraph2 = "It's the next best thing to free money.";

whoPaysParagraph3 = "What the taxman gives in tax relief reduces the cost of your pension.";

higherTaxPayer = "Higher rate tax payer?";

youHeading = "You";

youParagraph = "Your pension is flexible - you decide how much you want to pay in. You can change this amount at any time and also pay in a lump sum if you want to.";

theTaxmanHeading = "The taxman";

theTaxmanParagraph = "If you are a 20% tax payer, for every €200 you pay into your pension, you get €40 back from the taxman as tax relief so the "net" cost to you is €160.";

extraTaxHeading = "Tax relief";

extraTaxParagraph = "If you're a 41% taxpayer, for every €200 you pay in, the taxman gives back €82 in tax relief so that the "net" cost to you is €118";


// What happens to the money?

whatHappensHeading = "What happens to the money?";

yourInvestments = "Your investments over time";

timeInYears = "Time in years";

yourPensionFund = "Your pension fund";

whatHappensGraphBubble1 = "The earlier you start, the more payments you'll build up in your pension pot and the more opportunity this money has to grow.";

whatHappensGraphBubble2 = "The value of your pension pot depends on the value of your investments. During their lifetime they may rise and fall, if the stock market does. But you should focus on the long term. What matters is the value of your pension pot when you retire.";

whatHappensGraphBubble3 = "It's easy to keep track of your pension plan - you get annual statements automatically and you can request additional statements whenever you want.";

whatHappensBottomParagraph = "You're in control of your pension pot – how it performs depends on how much you put in, where it's invested and how much risk you're comfortable taking with it. Remember, your pension is flexible and you can adjust the amount you pay in at any time.";


// What happens when I retire

retireHeading1 = "What happens when I retire?";

retireParagraph1 = "In general you can access your benefits from age 60, although most people leave it until they stop work.";

retireParagraph2 = "You can take a cash lump sum of up to 25% of your pension fund and the first €200,000 is tax free.";

retireParagraph3 = "You need to turn the rest into an income you can live off - this will be taxed.";


retireHeading2 = "What happens when I retire?";

buyAnnuityHeading = "Buy an annuity";

buyAnnuityParagraph1 = "Rather than hope the money lasts for as long as you live, you can use the rest of your pension pot to buy an income.";

buyAnnuityParagraph2 = "This is called an annuity. You get a guaranteed income for the rest of your life, which is taxed.  The amount you get each month or year is based on a number of factors, such as your life expectancy.";


retireHeading3 = "What happens when I retire?";

incomeDrawDown = "Income drawdown";

incomeParagraph1 = "ARF";

incomeParagraph2 = "Approved Retirement Funds let you keep your pension pot invested so that it has the chance to grow.";

incomeParagraph3 = "You can take out money regularly to live on, on which you pay income tax.";

incomeParagraph4 = "How long the pension pot lasts depends on how much you take out - and how your investments perform.";


// To sum up...

sumHeading = "To sum up...";

sumParagraph1 = "Every time you pay into your pension the taxman pays in at least 20% too (tax relief).";

sumParagraph2 = "Your money is invested until you retire, so that it has the chance to grow.";

sumParagraph3 = "You decide how it's invested - so you're in control.";

sumParagraph4 = "Your pension is flexible, you decide how much you pay in and you can change this at any time.";

sumParagraph5 = "The earlier you start, the more time it has to grow, and the more tax relief you get.";

sumParagraph6 = "The final value of your pension pot is the sum of all the money paid in (minus charges) plus any growth your investments have achieved.";

sumParagraph7 = "";

// Buttons

nextButtonText = "Next";
backButtonText = "Back";