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Pension - (even) more change: On 1 October 2012, millions of workers benefited from the obligation on certain large employers (smaller employers will be gradually affected over the next 6 years) to make pension contributions for their staff, who must be automatically enrolled in a company scheme or the National Employment Savings Trust (known as NEST).  The arrangements are complex, but in summary, contributions will begin at a low level, they will rise to 4 per cent of salary from workers, 3...