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The transition from defined-benefit to defined-contribution occupational-pension plans has placed a premium on the participants' or contributors' decision-making competence. Their attitudes to risk and their responses to available investment options can have far-reaching implications for their retirement income. Behavioural research on risk and uncertainty has raised understanding of the limits of individual decision-making, but the social status and demographic characteristics of plan participants may also affect risk perception and pension choices. By studying a random sample of the British adult population, this paper explores the significance of socio-demographic characteristics for pension-related risk attitudes. It is demonstrated that pension-plan participants do not appear to understand the risks associated with different types of retirement savings and pension plans. The paper also shows that the gender, age and income of plan participants can give rise to distinctive risk propensities, and that marital status and, in particular, whether a spouse also has a pension can also have significant consequences for household risk preferences. These results have implications for those segments of the population that are disadvantaged in the labour market. Employer-provided pensions' education and information programmes may have to be more basic and more closely tailored to the social status of pension plan participants than hitherto assumed or hoped.

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In this paper, we discuss a number of recent efforts to critique, dismantle and problematize the categorical ontologies of ‘the urban’ and articulate an overarching epistemological framework for urban theory. Our intervention in these debates, which to date have focused primarily on Henri Lefebvre’s hypothesis regarding ‘planetary urbanization’, highlights the absence of an engagement with the long legacy within feminist urban scholarship of confronting and dismantling the categories of the ‘urban’ and ‘rural’. We argue that attending to this legacy foregrounds two conceptual and intellectual challenges that Lefebvre sets for us in his writings on the urban phenomenon. The first relates to Lefebvre’s arguments about the central role that a focus on difference and everyday life must play in understanding late capitalist urbanization and the urban condition. The second relates to Lefebvre’s articulation of the simultaneous problem and imperative of epistemological plurality within urban theory, including the role he ascribed to intellectual cooperation on the study of the urban phenomenon. We conclude by offering some thoughts on the importance Lefebvre attached to residual forms of difference – both lived and epistemological – in urban research and action, and by extension, probe some of the limits of Lefebvrian frameworks for understanding the contemporary urban condition.