Direct ed ▁P ension ▁Sch emes ▁( AMP S ) ▁- ▁The ▁principal ▁body ▁for ▁discuss ing ▁changes ▁involved ▁in ▁the ▁area ▁of ▁p ension ▁planning . ▁ ▁Category : P ensions ▁in ▁the ▁United ▁Kingdom ▁Category : Un ited ▁Kingdom ▁Act s ▁of ▁Parliament ▁ 2 0 0 4 <0x0A> </s> ▁Af an asy ▁Nik it in ▁( ; ▁died ▁ 1 4 7 2 ) ▁was ▁a ▁Russian ▁merchant ▁of ▁T ver ▁and ▁one ▁of ▁the ▁first ▁Europe ans ▁( after ▁Nic col ò ▁de ' ▁Cont i ) ▁to ▁travel ▁to ▁and ▁document ▁his ▁visit ▁to ▁India . ▁ ▁He ▁described ▁his ▁trip ▁in ▁a ▁narr ative ▁known ▁as ▁The ▁J our ney ▁Bey ond ▁Three ▁Se as ▁( K ho zh den i ye ▁za ▁tri ▁m ory a ). ▁ ▁The ▁voyage ▁In ▁ 1 4 6 6 , ▁Nik it in ▁left ▁his ▁h omet own ▁of ▁T ver ▁on ▁a ▁commercial ▁trip ▁to ▁India . ▁He ▁travel led ▁down ▁the ▁Vol ga ▁River , ▁and ▁although ▁he ▁was ▁attacked ▁and ▁ro bb ed ▁by ▁Tat ars ▁near ▁A stra k han ▁he ▁succeeded ▁in ▁reaching ▁Der b ent , ▁where ▁he ▁joined ▁Vas ili ▁Pap in , ▁the ▁en voy ▁of ▁Ivan ▁the ▁Great ▁to ▁the ▁sh ah ▁of ▁Sh ir van . ▁At ▁Der b ent , ▁Nik it in ▁vain ly ▁endeav oured ▁to ▁get ▁means ▁of ▁returning ▁to ▁Russia ; ▁failing ▁in ▁this , ▁he ▁went ▁on ▁to ▁B aku ▁and ▁later ▁Pers