The research for this book, published in association with the Joseph Rowntree Foundation, uses a custom-built computerized simulation program to show how hypothetical individuals would be treated over their lifetime by the combination of benefits, pensions, tax-credits and other policies that are currently in place in Britain. It identifies periods of time where families may be better or worse off. By concentrating on those with low pay or long interruptions of employment, it shows how these times can be overcome or avoided. (REPORT)