Overall real average earnings are forecast to rise by less than 5 % between now and 2021 . That means they will be 3 . 7 % lower in 2021 than was projected in March . To put it another way around half of the wage growth projected for the next five years back in March is not now projected to happen . On these projections real wages will , remarkably , still be below their 2008 levels in 2021 . One cannot stress enough how dreadful that is more than a decade without real earnings growth . We have certainly not seen a period remotely like it in the last 70 years . <| sep |> the earlier chapters have been edited <| sep |> Is it more effort than a line of business application developer would be willing to do ? Yes . I don ' t want to know the kind of business application developers that are too lazy to enable SSL on their websites . Security is important , and laziness is unacceptable .