By the time I am 65, I suspect it will be means-tested away from anyone with two nickels to rub together.

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It was the slice of fortune the Merseysiders will feel they have been missing and Birmingham will feel their opponents also got the rub of the green when referee Phil Dowd waved away Stephen Carr's appeals for a penalty after he thought he was caught by Everton left-back Baines.

BBC: Birmingham 0-2 Everton