The insurance crisis that recently hit British orchestras is threatening to have a profound impact on the players, too. But they’re used to that by now. “These orchestras offer their members no pension schemes, no health insurance beyond in-house benevolent funds and, in some cases, no fixed retirement age. Players in salaried positions with the Hallé and BBC orchestras, for example, have increased stability, but less flexibility and less ready cash. Money was more plentiful in the 1980s; now there are fewer recording sessions, less sponsorship and more competition for work such as film scores and advertising. With house prices high and instrument prices soaring, players are increasingly turning to alternative sources of income: teaching, property development, massage and more.”