Most major banks still provide monthly paper statements, but there have been changes for some new account holders and students.
But staff have remained worried about some of the changes, which are being looked at which include increasing working hours, cutting holiday entitlement and sick pay, and performance related pay progression.
There have been some changes along the way but I think that's all been great.
Many Republicans have supported closing some loopholes, but they say the changes should be part of a broader overhaul of the tax code, not a way to plug gaps in the budget.
It concluded the deaths could not have been predicted but added it had made changes to some of the ways it worked.
Some changes have just gone through parliament, but they are extraordinarily timid.
Some of those changes come from the workforce, but many have come from the employer.
The millions who don't use Skype but have Microsoft computers, phones and video game systems will no doubt see some changes, too.
But first a story, one that shows some of the changes that have transformed Washington, and some of the forces that have created gridlock on America's Main Street.
The people who have worked with him expect some changes to the PC business, but don't anticipate Mr. Dell will stop making PCs altogether.
But it is a reminder of how far we have come and how recent some of those changes have been.
The poor are getting the hardest hit by the welfare changes, to be sure, but they will still have access to some benefits in addition to one of few remaining jobs programs as a result of the reforms.
But underneath the legislative changes and the growing list of projects that have used crowdfunding, there are some interesting developments.
FORBES: Cracking Crowdfunding's Two Biggest Problems: Success and Profit
But some lawyers think the case may ultimately force big changes in the types and amount of disclosures banks have to give regarding their activities.
FORBES: Goldman Puts Spotlight Back on Wall Street's Conflicts of Interest
But some 20 million taxpayers will have to wait to file until late February or into March because of tax law changes Congress made in the American Taxpayer Relief Act to seal the fiscal cliff deal.
FORBES: Where's My Refund? 2013 Tax Filing Season Will Open Late
The world has changed drastically, but some South-East Asian governments have not adapted: to the globalisation of the marketplace, to the social changes their own economic triumphs have wrought, or even to the transformation of the world since the collapse of the Soviet Union.
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