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If so, this message is for you.

Tax credits are coming to an end,

and most people will be asked to apply for universal credits instead.

The Department for Work and Pensions is writing to Tax Credit claimants.

You won't be moved automatically, so look out for your letter explaining what you'll need to do and by when.

And there's also lots of support to help you make the move.

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Eligibility criteria apply. Elizabeth Warren has big plans for the economy.

Could they work in practice?

What she wants to do is rebalance economic and political power

back towards the middle class. And can money really buy happiness? In the Great

Depression in 1929 you can see the index just falls off a cliff.

And interestingly, just before the stock market crash, huge optimism in society.

You're listening to Money Talks from Economist Radio.

I'm Patrick Lane. First up, Monday was Charlie Schaff's first day on the job as head of Wells Fargo. The embattled bank has been without a permanent chief

executive for six months and Mr Schaaf, the former CEO of Visa and Bank of New York Mellon,

has an unenviable task ahead,

rehabilitating a company which for three years has been under a big dark cloud.

In 2016, it emerged that for several years, Wellstaffed had been opening ghost accounts for credit cards and savings and whatnot in pursuit of demanding internal targets.

Further evidence of jiggery pokary has emerged since.

...