Set VAT rate for James' pension to "Auto" vs "0%".
Set VAT rate for James' pension to "Auto" vs "0%".

This is consistent with what I did for Chris' pension payment and I think
it makes more sense.

freerange/freeagent_transaction_explainer,freerange/freeagent_transaction_explainer,freerange/freeagent_transaction_explainer