all workers,18, 19, 20, 21, 24, 25,
all workers who are not active members of a qualifying scheme,18, 20, 21, 24, 25,
all workers who are jobholders and who are not active members of a qualifying scheme,16, 20, 21, 24, 25,
all workers who are not jobholders and are not active members of a qualifying scheme,17, 20, 21, 24, 25,