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"Some plans saw most of the first few years' contributions paid to the salesman. There were high charges – sometimes 2pc-3pc a year. There were also penalties for stopping paying, penalties for changing contributions, for changing retirement date. There were charges for investment products within the personal pension and for switching from one fund to another.

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MCK and its peers - both in the U.S. and in Europe - continue to benefit from the unprecedented wave of branded drug patent expirations in calendar 2011-2014. Most drug channel participants, including distributors, earn higher margins - though less revenues - on the sale of lower-cost generic drugs. Fitch believes much of the margin expansion MCK and its peers have achieved in recent years is durable, as generic penetration in the U.S. is likely to remain at or above 80%.As the pace of branded-to-generic conversion slows post-2015, Fitch expects top-line and margin growth to benefit from biosimilars, as well as new branded biologic drugs. Pharmaceutical wholesalers generally earn higher margins on more expensive biologics, compared to traditional drugs, and Fitch thinks biosimilars potentially represent an even more compelling margin expansion opportunity for drug distributors in the intermediate-to-longer term.

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It is the topography of Top of the Lake that sets the moral tone. Everything is unusual, menacing and extreme. It makes for extreme viewing, too: sudden violence, incest and suicide seem to come with the turf.

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Swartz had used MIT’s network and guest access privileges to download articles from the academic database JSTOR, which later urged explicitly that Swartz not be prosecuted. His defenders say the university, as one of the victims, should have taken a similar step. Instead, MIT neither requested nor opposed federal indictments, and rebuffed numerous requests to urge leniency.

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This transformation took place in the midst of Spain’s housing bubble, when many young Spaniards from the area were quitting school to work in the construction sector, where the pay was far better. “It’s very difficult to find a Spaniard willing to work on the field. Harvesting potatoes is extremely tough. Even now, with so many Spaniards unemployed, you barely run into anyone who’s willing to do this kind of job,” Spanish farmer Santiago Perez says.

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"All countries have a common interest in finding ways todisconnect reserve accumulation from exchange-rate management,"Landau said. "The need for national reserves could be reduced ifcredible mechanisms exist to provide for the supply of officialliquidity on a multilateral basis."

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King's focus on the multi-billion dollar mobile games market - creating short, addictive puzzles for the fastest-growing part of the gaming industry - has helped it reap profits rare in its field. Though the company does not publish numbers, industry experts have estimated its revenues at $1 million-$3 million a day. Media reports now talk about an IPO valuation of $5 billion after a source recently said the company had filed to go public in the United States.

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More than six of every 10 voters had voted for the African National Congress loyally since 1994, du Preez wrote, chasing promises of “freedom, dignity and fairness to the former oppressed,” referring to the South African apartheid.

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The package offers some goodies to individuals, such as aid to home buyers, but with the tax breaks mostly targeting companies and the tax hike directly hitting consumers, Tuesday's steps bolster the view of critics that "Abenomics" favours corporate Japan at the expense of the little guy.

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Though her former 'Hills' cast mates are nothing but a distant Hollywood memory, Audrina Patridge is proving that she's here to stay. The reality TV star is stripping down and showing off her best assets in a sexy new ad campaign for Bongo.