as individuals begin working as a junior doctor. University tuition in Scotland is free for students ordinarily resident in Scotland, and grants and loans are available to help with living costs. Changes to working patterns of doctors meant there was no longer a requirement for first year junior doctors to be resident, and from 2008 free accommodation was no longer provided by employers. The British Medical Association said that this amounted to a £4,800 annual pay cut for those who might have previously lived at the hospital rather than independently, but the numbers of doctors involved was not clear. Ann Keen, Labour Parliamentary Under-Secretary for Health Services, stated "The provision of free accommodation for foundation year 1 doctors who are on call at night, is dependent on the contract of employment of the junior doctor, which is for agreement locally. The Junior Doctors Terms and Conditions of Service continue to provide that if a doctor is contractually required to live in hospital accommodation no charges should be made for the accommodation provided." Prospects The NHS Careers web site states: Pension scheme Junior doctors may pay into the NHS Pension Scheme which from April 2015 has been a Career Average Revalued Earnings (CARE) scheme. The 2015 scheme involves paying towards a pension which will be based on the average of a member's pensionable earnings throughout their whole career, with a revaluation of active members benefits in line with the Consumer price index plus 1.5 per cent per annum. The 1995/2008 scheme is closed to new entrants. Contract dispute in England Since 2012 NHS Employers and the BMA had been in negotiation towards a new contract for junior doctors. These talks ran into serious problems when the Secretary of State for Health, Jeremy Hunt, appeared willing to impose items from the Conservative 2015 election manifesto upon junior doctors in England. On 12 January 2016, Junior Doctors in England took part in the first general strike across the NHS, the first such industrial action in 40 years. Emergency care was still provided. There have been claims that the Medical Director of NHS England, Professor Sir Bruce Keogh, has used performance target levels to justify and encourage NHS Trusts to declare an emergency situation, forcing Junior Doctors to work despite the strike, a move to which the BMA has condemned. In September 2015, Hunt proposed new contracts for junior doctors which would scrap overtime