Insurers attribute the improvement to the fact that most new cars are now fitted with immobiliser systems which prevent the engines being started without a matchingkey signal.
One provision could be overtly harmful to many middle-income earners: a redefinition in the "top-heavy" rule that says that when 60% of a company's retirement plan contributions are in the accounts of key employees, the company must make matching contributions of 3% to all workers with three years employment.