What the numbers actually say, once the headlines are set aside.
The rules are not new. What is new is how many people they now apply to.
What it costs
The practical effect is easier to see in a single example than in a summary. There is a deadline involved, and missing it costs more than the difference.
What to check first
The practical effect is easier to see in a single example than in a summary. The exceptions matter more than the rule, and there are three of them.
The short answer: check the date, then check the figure, then decide.
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