seat belt laws may not save lives. Plans to make car drivers and front-seat passengers strap themselves in have been revealed by Transport Minister Ewart Brown. ---- Page 5 CIVIL SERVICE TO BE MODERNISED GVT Civil Service to be modernised UK Civil Service experts recruited to modernise their Bermuda equivalents could be on the Island by June, it was revealed yesterday. And Cabinet Secretary Leo Mills will visit the UK's Civil Service College next month in advance of the review. ---- Page 6 TRANSFERS HELP BOOST PHC SOC Transfers help boost PHC Four more players have been confirmed for cricket transfers, with PHC picking up three of them. Ex-St. David's captain James Pace is returning in a player-coach capacity, while Sheridan (Baldy) Ming rejoins the team from Southampton Rangers and Kevin Tucker moves from Warwick. ---- Sport, Page 13 DON'T PANIC, PREMIER SAYS BUC Don't panic, Premier says Global pressures on Bermuda's business community were no reason to consider "pushing the panic button'', Premier Jennifer Smith said yesterday. ---- Business, Page 23 BANK'S Q3 NET RISES 18% BUC Bank's Q3 net rises 18% The Bank of N. T. Butterfield & Son's third-quarter results released yesterday showed return on shareholder equity is at its highest since 1987. ---- Business, Page 23