“…Pensions, therefore, help elucidate a set of perennially conflictual principles of capitalism.' Put another way, pensions highlight the dynamic relationship between individual and collective approaches to risk in capitalist welfare states (Condon, 2002). But, like the welfare regimes of which they are a part, pensions are not, in this sense, neutral; they reflect, re-inscribe and sometimes challenge social categories of difference, the gender division of labour, stratification and labour market segmentation (O'Connor, 1993;Orloff, 1993aOrloff, , 1993bDaly and Rake, 2003;Williams, 1995).…”