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If you started university between and , or since then in Scotland and Northern Ireland, you'll have a Plan 1 student loan. While much is written about whether those with savings should overpay the current English Plan 2 student loans, there's little out there about Plan 1.

Co-op own-brand champagne better than Moët, says Which? | Money | The Guardian

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Made with equal parts Chardonnay, Pinot Noir, and Pinot Meunier, the wine has bright and fresh aromas, followed by surprisingly rich and complex flavors. Strawberries and orange peel persist throughout, as do tinges of brioche, whipped cream, and toasted almonds. Mouthwatering acidity provides a refreshing, lingering ending. Aromas and flavors are dominated by wildflowers and lemon zest, and its effervescent, easy-drinking mouthfeel makes it the ideal aperitif.

Enjoy well chilled on its own, or with a selection of light canapes. An elegant, nuanced blend, the Billecart-Salmon Brut Reserve matches sliced pear and green apple aromas with a trace of toasted brioche. Everything about this wine is luxurious. Bubbles are vibrant and refreshing, cleansing the palate and leaving a fresh citrus flavor.

Complex yet welcoming, this is a true crowd-pleaser. The remaining 20 percent is Chardonnay. The wine is full of tart red-berry aromas backed by creamy, doughy notes and hints of baked apples and pears. Its dry, mineral-heavy texture is a surprising departure from its decadent flavors, while its crisp finish rounds things off with finesse. Published: December 12,