All regions witnessed an increase - although the changes varied greatly from area to area.

BBC: Census shows rise in foreign-born

And with 17m people already in private pension schemes, small changes can add greatly to costs.

ECONOMIST: Pensions

However, successive changes to the way the MFR is calculated have greatly undermined scheme safety.

BBC: NEWS | UK | Wales | Hope raised for ASW pensioners

Another approach, which greatly appeals to many economists, is to ask whose interests the changes served.

ECONOMIST: Economics focus

Patients greatly appreciate the therapy because it reduces the number of painful dressing changes.

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When the next-generation communications system comes online, the question is whether the cruise lines will reduce their communications costs to passengers because of the changes in technology or whether they will leave costs as they are but offer a greatly enhanced experience for system users.

FORBES: Cruise Ship Communications for Passengers Is About to Change

"But we also found a lack of urgency in the Welsh government's progress which, at a time of stretched resources and radical changes in approach to the provision of all services by local health boards, concerned us greatly, " he said.

BBC: Midwife and pregnant woman