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It used to be said that life begins at 40, but happiness now doesn't begin until 54, according to a new report.  Research from first direct reveals just under one million 45-54-year-olds are unhappy with their lives1 - and their age group is the most frustrated in the country.

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New breed of 'eccentrics' abound-  ONCE the sole preserve of the rich upper classes, today's society is overflowing with colourful eccentricity.  New research from first direct reveals it's not a stiff upper lip nor even resilience that unites Brits, instead it's our eccentric characters (65 per cent).  Forget mad relatives who were once taboo...

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