The report compared three options: the status quo (Option A), a 10-club SPL2 breakaway leaving the SFL with 20 clubs but continuing the CIS Insurance Cup (Option B) and a 20-club league without the CIS Cup (Option C).
However much the experts may insist that the basic pension is paid for by current taxation, pensioners see it as a return on their national-insurance contributions and the continuing real freeze in its value as an affront.
Trade groups later commissioned a "Task Force for the Future, " which in 2005 said the shift from the middle class toward wealthier customers was eroding the industry's political clout and undermining the argument for continuing the tax advantages of permanent life insurance.