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That's my understanding as well. With the restricted account do you have to go to the bank in person to withdraw or transfer funds to your other account?

It might be very hard if it’s a serious medical problem.

I don't think it will get higher, it has already been moved up from 65. People younger than yourself will have a higher age. There is a lot of fuss in the UK,which was an election tool too, with respect to women's pensions, which had to move up from 60 to be equal to that of men. The added complexity was women never got their stamps themselves but accrued according to their husbands many years ago. Now there is a gap where women will have retired and yet not receive their state pension, an awkward transition. Equality has it's drawbacks. The OP rant was also posted on Thai Visa, I see no poin

? sorry they did take picture. over jet lag just hungover cheers

I'll leave it at I don't watch You Tube rants.