Many thanks Peter. I’d forgotten that Sch 5 only applied by virtue of reg 38. I completely agree that you need to maintain 2 seperate copies of the regs. It took me a long time to do but I now have a full set of HB “pensioner” regs with all the relevant SI’s incorporated. It takes a lot of pencil sharpening and at least a roll of sellotape but it is definitely worth it!
