In the 1980s, a new type of retirement product began changing the market in the same way exchange traded funds are changing it today.
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Collective switching, pioneered in Belgium and the Netherlands, allows groups of customers, often organised by local councils or community groups to choose the best rate by changing tariff at the same time.
BBC: More than 6,000 join Surrey energy switching collective
Mr Wallis said he had never been against second homes but added that changing the use of a house to a holiday let or second home should require planning permission in the same way as changing a shop into a house.
BBC: Councillors vote in favour of second home planning permit
Intellectually, he may be on the side of modernity, but emotionally and aesthetically he is seduced by the idea of history as a natural cycle which is both forever changing and always the same.
We will see the fight for same-sex marriage in the changing attitudes and the recalcitrant ones.
But as I noted at the time, the same old rules apply even in a changing economy.
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At the same time not changing the direction of biomedical research may constitute the highest risk.
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She began her experiment by taking two populations of the same virus and changing their environments in identical ways.
The same global forces changing business are at work in public services too.
It all felt so stagnant, never changing, always the same idyllic sceneries over and over again playing out like the background to a Hanna Barbera cartoon.
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Scuderi says its split-cycle engine increases overall efficiency by up to 50 percent and cuts down on NOx gases at the same time by changing the way air gets channeled through an engine.
Now the Note 2 is doing the same and many of the early detractors have been steadily changing their tune (Disclosure: TBG works with Samsung but did not work on this campaign).
He also praised equality campaigners in the UK for "changing opinion" about same-sex unions.
Certainly any user who has used the same password elsewhere should be changing all their passwords now.
The other is to force the banks' hand, for instance, by changing the bankruptcy code to allow judges to restructure mortgages in the same way as other loans.
At the same time, states have been changing the way they determine whether an account has been abandoned.
At the same time, military technology is changing so quickly that the armed forces have to call in technical support from civilians.
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Today, I think with those same opinions, and the reality changing the way it's changing, all of a sudden he's in the mainstream.
Even with governments changing, Poland continued going in the same direction.
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It turns out that someone at TSA must have been asking the same question because the rules are finally changing for some passengers.
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This can spark a willingness to adapt to changing circumstances, not always doing things the same old way and instead be willing to consider new options.
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The same day will see a referendum on changing the electoral system for the House of Commons to the Alternative Vote (AV), in which candidates are ranked in order of preference.
But at the same time, the health service is changing - average lengths of stay in hospitals are about one third shorter than they were 10 years ago, and there is more surgery where patients don't have to stay overnight on a ward.
Instead of changing course, we just do more of the same thing.
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The Commission is working on regulation for short-selling, looking into dark pools and flash trading and changing some of its staff members all at the same time.
Here's how Lord Turner, at the same time as Mark Carney was musing about changing the inflation target, came out of the closet on turning government debt into cash.
The idea of marketers at all levels undergoing these and other shifts to survive and thrive in this changing environment (and help their businesses do the same), is increasingly taking hold.
At the same time, the financial-services industry keeps changing the terms of its offerings, making it difficult for consumers to stay on top of investing, bank accounts, insurance policies and the like.
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At the same time, the very basis for identification systems are changing from improving government functions to enabling citizen services.
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