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			<p begin="00:00" end="00:01.8">Are you thinking of starting a pension?</p>
			<p begin="00:02" end="00:05.5">Or maybe you just want to review the pension you have already built up.</p>
			<p begin="00:06" end="00:09.5">Well...<br/>You've come to the right place.</p>
			<p begin="00:10" end="00:11.5">We’re here to help.</p>
			<p begin="00:11.8" end="00:17.2">Our pensions are flexible, you can start, stop, increase or reduce your payments at any time.</p>
			<p begin="00:17.5" end="00:21.5">The great benefit of paying into your pension is that the tax man pays into it too.</p>
			<p begin="00:22" end="00:26">And you can look forward to an attractive tax free lump sum when you retire.</p>
			<p begin="00:26.5" end="00:34">We've got different types of funds that invest in asset classes like property, equities and bonds in countries across the world.</p>
			<p begin="00:34.5" end="00:37.8">You can invest in deposits with some of the world's safest banks.</p>
			<p begin="00:38.4" end="00:44">Or if you'd like even more choice you can build your own share portfolio or invest in direct property.</p>
			<p begin="00:45" end="00:49">We've been in Ireland since 1834, and for your added peace of mind...</p>
			<p begin="00:49.5" end="00:54">your policy is protected by the UK Financial Services Compensation Scheme.</p>
			<p begin="00:54.5" end="01:01.7">We're taking the lead, offering you, choice, flexibility and peace of mind - so now it's up to you.</p>
			<p begin="01:01.9" end="01:05">Standard Life – the way forward.</p>
			<p begin="01:07" end="01:17">For further details on the UK Financial Services Compensation Scheme, please refer to 'Your policy is protected' document which can be found on our website, standardlife.ie</p>
			<p begin="01:17.2" end="01:18.5">Please note the following warnings:</p>
			<p begin="01:19" end="01:21.9">Firstly, the value of this investment may go down as well as up.</p>
			<p begin="01:22" end="01:27">And secondly, this investment may be affected by changes in currency exchange rates.</p>
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