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The Government wants to museums encourage people to save, both to underpin long term investment and to secure their own financial welfare for the future, underpinning the Government's policy of work for those who can and museums security for those who cannot. The Government is introducing or has introduced: Stakeholder pensions which combine the low museums overheads and high security of occupational pensions with the flexibility of personal pensions, and which will be available to all; and Individual Savings Accounts (ISAs), which started on 6 April, with the aim of extending the savings habit to the half of the population that currently has little or no savings. Germany: (incomplete) Score: Japan: Score: 0 The Japanese economy as a whole is still facing severe conditions. In particular, the employment situation continues to deteriorate. The unemployment rate has risen to 4.6 percent, the highest level recorded since such statistics began in 1953. Until recently, Japan, with its lifetime employment practices, had what was considered to be full employment with an unemployment rate under 3.0
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