The government recently increased profit on various saving schemes. However, this benefit is applicable to those who joined on or after 24.6.08. Those who bought a scheme even a few days earlier have to pay a lot of extra to get into new scheme. This neutralizes any benefit accrued. This is especially true of Behbood scheme which is meant mainly for old persons and pensioners who are generally in poor health. At this time of our lives, the pinch of ever increasing cost of living is particularly hard. -DR ZULFIQAR HAIDER, Lahore, via e-mail, July 31.