It was the beginning of something: a new life, a recovery.

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Michigan is beginning to see some signs of new life: perennial cellar dweller Holland-Grand Haven rose a remarkable 202 places to 19th on the overall list.

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He said that as a result, there would be "a number of changes", including beginning a project to improve end-of-life care and implementing a new system of appointment booking to deal with a backlog of operations.

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Ironically, at the beginning of April this year the finance ministry introduced a new rule under which pension funds could count life policies as investments guaranteed to return principal, thereby making it easier to invest in life insurance.

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