Howard is Bursar at Tettenhall College in Wolverhampton, a co-educational independent school with just under 460 pupils of whom 80 are boarders, and a ‘strong military presence. I have responsibility for the business management of the school with a turnover of about £4.6 million, facilities management, catering, grounds maintenance and human resources for the support staff.’ A lower salary is largely offset by his pension, but additional costs include private medical and dental insurance, critical illness or income protection and buying into another pension.