But, starting later this year, that will change.

ECONOMIST: National Health Service

But this year, for once, some things are starting to go right for the farmers.

ECONOMIST: Brazil

But new, more-sophisticated financial institutions are starting to fill that role, exemplified this year by trust companies.

WSJ: China's Lending Spills Over Limits

But if you want to know what any service costs this year, your best starting point is to see what the hospital charged for it last year.

FORBES: Hospital Pricing and Irrational Thinking

These employees managed to keep up this routine for the first three years at the banks, but starting in the fourth year, some saw their performance decline, particularly when it came to creative thinking.

FORBES: Wall Street Hours Mean Health Troubles

He added that those with jobs in banking, finance and law would be somewhat cushioned, but that graduates starting out in the public sectors and charities would "really feel the pinch" this year.

BBC: Graduate salaries 'stay at ?25k'