One provision could be overtly harmful to many middle-income earners: a redefinition in the "top-heavy" rule that says that when 60% of a company's retirement plan contributions are in the accounts of key employees, the company must make matching contributions of 3% to all workers with three years employment.

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Psychology experts say that while the signs vary depending on the nature of the "secret life, " there are clear markers to look for in a loved one who might be harboring violent or harmful tendencies.

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Like lotteries, which can be viewed as harmful but also help to fund state budgets, cigarettes are not a golden goose that one stubs out randomly or quickly.

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