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Families with the youngest children lost out, with pensioners well protected.
Unfortunately, past annuity sales lacked adequate customer protection and many savers paid hefty charges for their original annuity or lost out with poor rates.
Of the top five only Bank One lost out, with profits up by a paltry 12%.Citigroup, the world's biggest financial-services group, paid £1.36 billion ($2.23 billion) to acquire the investment-banking business of Schroders, one of the last survivors of the genteel world of British merchant banking.
The top 40% have lost out, with the richest 10% the biggest losers.
If Mr. Cameron's film had won the producers award, it might have been a shoo-in for the top Oscar, despite having lost out with the actors.
Rosa Chilquillo, the mother of a fourth grader at Robert Treat Academy, said she felt that children lost out with the shorter school year and benefited from the "good structure" and immaculate surroundings of the academy.
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Paleontologists lost out to amateurs with more money, and they lost specimens to vandals and thieves, some of whom went after fossils with sledgehammers.
Things are not all that sunny in South Florida after its bid for the 2014 lost out to New York, with bid leaders whining the voting was preordained.
BBC1's struggling dramas once again lost out to BBC2, with Coast attracting 3.9 million viewers and a 16% share in the hour from 8pm.
The classic, starring Judy Garland as Dorothy, was a best picture nominee at the 12th Academy Awards in 1940, but lost out to Gone With the Wind.
The archaic English adjective doctrinary lost out to the word with the French ending.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com