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      Regulators, rating agencies, and analysts - not to mention insurance buyers – are increasingly resisting such behaviour. 6. Today it frequently refers to bulletproof vests, particularly Type III and above which have added steel, titanium, ceramic or polyethylene plates which can withstand high-powered rounds such as from rifles. RAF Flak Jacket The first usage of the term refers to the armour originally developed by the Wilkinson Sword company during World War II to help protect Royal Air Force (RAF) air personnel from the flying debris and shrapnel thrown by German anti-aircraft guns' flak (Fliegerabwehrkanone), a type of exploding shell. Utility and income are then used to model hypothesized properties about the effect of a price change on the quantity demanded