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Win pounds 5,000 in air tickets

You can still enter the Virgin Financial Gobbledegook Competition and win two luxury return air tickets to New York, worth over pounds 5,000.

All you need to do is look through your pension policy and pick out the most jargon-ridden and least understandable sentence. Send it to us, with a 20-word humorous explanation of what you think it means. The deadline for entries is Monday November 18.

Please address all entries to Steve Lodge, Virgin Financial Gobbledegook Competition, Independent on Sunday, 1 Canada Square, Canary Wharf, London, E14 5DL.