Most of the business is likely to come from providing or administering company or industry pension schemes, rather than writing personal life contracts.
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But this would push most industry-funded schemes into bankruptcy.
The Department of Trade and Industry says that pyramid schemes are unusual in Britain, and one aimed at women seems a novelty.
Amit Mitra, of the Federation of Indian Chambers of Commerce and Industry, supports similar schemes, as well as preferment schemes by banks.
With that kind of payoff, there is a whole industry devoted to inventing schemes to generate current deductions to shelter the wages and ultimately recoup it years later as lightly taxed gains.
It is hard to escape the conclusion that the energy and brains of many of these brilliant hotspot scientists might be put to better use if they looked at the really difficult problem of how governments, private industry and innovative environmental-finance schemes could help fund conservation.
The next argument is a defence against charges that Germany has acted selfishly in this economic crisis, by organising national stimulus measures and resisting Europe wide schemes for things like the car industry.
It runs some of the industry's best-regarded customer-loyalty schemes, including British Airways' frequent-flyer programme.
The Department of Trade and Industry recently reduced the number of business-support schemes it runs from well over 100 to just ten.
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Meanwhile, the Egyptian government has concentrated its development spending in the big cities and on desert-reclamation schemes, while channelling private investment into industry and property in the north.
Rather like the venture capitalists behind the American software industry, Mr Gates is a venture philanthropist: he backs schemes, assesses them and dumps failures.
The industry is fearful about what will happen when the various scrappage schemes are phased out (all are limited either in time or funding).
Once we are part of the EU ETS, governments should look to remove existing tax schemes to avoid duplicative and damaging costs to the industry.
One answer to the cost problem is to set up co-operative schemes that amalgamate the savings of workers in one industry, or even across industries.
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The schemes also have the backing of the Confederation of British Industry (CBI) which welcomed reinvigorating the science base for "the benefit of business and the UK as a whole".
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Much of the criticism of previous training schemes from business is that they too often teach skills to people that industry doesn't want or need.
But short-time schemes are expensive: in the first quarter of 2009 unit labour costs in industry rose by about 25%, thanks to subsidies paid to idled workers.
In the banking industry, bank managers rarely miss the opportunity to set-up fly-by-night schemes.
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The industry continues to struggle with ethical challenges involving pay-for-play, or play without cognizance schemes.
Taxpayers in effect stand behind such schemes, just as they eventually had to stand behind America's savings and loan industry.
On top of these social engineering schemes, the transformation of phishing tactics is also occurring on the other end of the industry: Phishers are finding new ways to evade Web registries or Internet service providers that seek out and block malware-infected sites.
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