I think this is right and is how I feel about my parents interacting with SM - slowly being radicalised with content that a digital native can identify as obvious nonsense from 100 paces.

Congratulations!

Ability to pay the c. £30 I owe HMRC for exceeding the dividend allowance over the phone with a debit card as opposed to them fiddling with my tax code

DC is Defined Contribution - where an employee builds up a pot of money for retirement which can then be directed to an annuity or drawndown as needed etc. Most employer pensions are DC now as opposed to DB (Defined Benefit or Final Salary)

This is Barnier, doing his best to take up more than half the sofa, as usual!