What to check before signing anything, and what can wait.
The rules are not new. What is new is how many people they now apply to.
What it costs
The exceptions matter more than the rule, and there are three of them. Nobody is required to explain this to you, which is half the problem.
Where the confusion starts
The exceptions matter more than the rule, and there are three of them. The figures move about, but the direction has been the same for three years.
The exceptions
Most of the confusion comes from two terms that sound alike and mean different things. The practical effect is easier to see in a single example than in a summary.
None of this is urgent, but it is worth an hour before the next renewal.