But they too think any rate change will be gradual.

"It takes a year or so for rate changes to ripple through the industry."

This will be frozen for the 2011-12 tax year, subject to review in the event of significant rate changes.

"And with those rate changes, maybe somebody made more money than there are stars?"

There will be no rate change for drivers with three points or more.

But in an emerging economy interest rate change is a common activity.

It will be updated next year once the 2011 rate change has had time to take effect.

And rate changes alone do not determine the tax bills people receive.

The final rate changes are not expected to be more than 0.15 percent.

This failure rate changes throughout the life of the product.