Four big universal financial groups, created from the merger of six keiretsu into three, together with a regional bank alliance.

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Sony, Universal and Warner Music Groups.

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That October, McDonough and other Senate staffers convened about twenty of the most influential leaders and lobbyists from hospital associations, the pharmaceutical industry, the insurance industry, the labor movement, and universal-health-care advocacy groups.

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It is true that these are often meetings of the like-minded, of people with particular tastes in common, rather than universal gatherings of the old national federations that tied disparate groups together.

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"A number of groups--particularly biz groups that historically have not been strongly in favor of universal coverage--seem to be going that direction, " says Larry Levitt, vice president of the Kaiser Family Foundation, a Washington, D.

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Within the last fortnight, Universal Credit has been criticised by councils, charities, trades unions, business groups and housing organisations in submissions to the Work and Pensions Select Committee.

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