"We are all in this together." (5)

Government efficiency drive:

Many efficient public service workers wish they could get enough heat on their pension of around £5,000 a year - £50,000 over ten years if they can survive ten cold winters. That's 0.004% of the tax free dividend of £1.2 billion the Government's efficiency adviser paid his family in 2005, or 24,000 pensions for ten years.

Meanwhile the (tax) efficient Government adviser appears to be suffering the effects of too much heat

even though "We are all in this together".