Northern Ireland Troubles (Legacy and Reconciliation) Bill

Debate between Brandon Lewis and Gregory Campbell

2nd reading
Tuesday 24th May 2022 Commons Chamber

[Brandon Lewis]

I have not seen it yet, but I hope we will soon see something from the Irish Government to ensure that in both jurisdictions we are working to make sure that people have as much access to information as possible.

Written reports of the commission’s findings will be provided to the families or survivors who request an investigation. The reports will also be made publicly available, to provide accountability by ensuring that wider society can access the commission’s findings and understand and acknowledge the events of the past.

After we published our Command Paper, many individuals and organisations told us that an unconditional statute of limitations for all troubles-related offences was just too painful to accept. They said that we must not close the door on the possibility of prosecutions, however remote the chances might be. We have also heard from those in our veterans community who are uncomfortable with any perceived moral equivalence between those who went out to protect life and uphold the rule of law and terrorists who were intent on causing harm. Of course, there never could be a moral equivalence of that type.

For the reasons I have just set out, we have adjusted our approach to make this a conditional model. To gain immunity, individuals must provide, if asked, an account to the new commission that is true to the best of their knowledge and belief. That condition draws parallels with aspects of the truth and reconciliation commission that was implemented in South Africa, as my hon. Friend the Member for Bromley and Chislehurst (Sir Robert Neill) outlined. The commission will require individuals to acknowledge their involvement in serious troubles-related incidents and to reveal what they know.

Let me turn to a point made by my right hon. Friend the Member for Chingford and Woodford Green and others. The provisions will also apply to individuals who have previously been provided with the so-called on-the-run letters, or letters of comfort. When issued, those letters confirmed whether or not an individual was wanted by the police, based on evidence held at that time. However, I want to be crystal clear that the letters have absolutely no legal standing and cannot be used to prevent prosecution under this new approach.

[Mr Gregory Campbell (East Londonderry) (DUP)]

On the OTR letters, some of us stated at the time, and have done since, that the only way that the people of Northern Ireland and across the UK will be able to understand and believe that the OTR letters are null and void is when a person in receipt of such a letter stands in a court of law and the judge says, “Irrelevant. The case will proceed.”

[Brandon Lewis]

I take the hon. Gentleman’s point. That is why I made the point I just made, which I will repeat because I want to be absolutely clear about this: these letters have no legal standing. They cannot and will not be accepted and they cannot be used to prevent prosecution under this new approach. The new body’s investigations will continue regardless of people holding those kind of letters.

Oral Answers to Questions

Debate between Brandon Lewis and Gregory Campbell

Wednesday 8th December 2021 Commons Chamber

[Brandon Lewis]

In July, I appointed an advisory committee to provide advice on appropriate delivery partners to establish the Castlereagh Foundation, the legal form it should take, the role of the foundation and the cost to establish it. I thank the committee for its work; it is putting forward a proposal that I expect to have on my desk to look at and consider, to be able to make some decisions on the appropriate next steps, in the imminent future.

[Mr Gregory Campbell (East Londonderry) (DUP)]

2. What recent representations he has received from victims groups on consultations on addressing the legacy of Northern Ireland's past.

[The Secretary of State for Northern Ireland (Brandon Lewis)]

Since publishing the Command Paper, the Government have engaged with a range of stakeholders, including victims groups, who we have always said must be central to discussions on legacy. Victims groups have provided evidence at sessions that the Government have convened with Northern Ireland parties and in partnership with the Irish Government, in addition to the Government’s own bilateral engagement. The process has been hugely valuable and we are all grateful to those who shared their views on this important and sensitive issue.

[Mr Campbell]

The Secretary of State has said that the victims groups are central to all he is doing in this regard, but now that there appears to be total unanimity in opposition to the Government’s amnesty proposals among the people most directly affected in Northern Ireland, how will he reconcile their opinion with his desire to proceed in the face of such opposition?

[Brandon Lewis]

As I have said before, we are working through the feedback that we received over the summer and autumn following the engagement that we had with a range of parties with an interest in this matter: victims groups, political parties and other stakeholder groups in civic society. We need to be honest about what is achievable, and about the reality that the current system is not working for people. It is not providing the information and it is not getting to the truth. Our focus is on ensuring that we are able to deliver a package that can get to the truth for families who have waited for far too long.

Ballymurphy Inquest Findings

Debate between Brandon Lewis and Gregory Campbell

Thursday 13th May 2021 Commons Chamber

[Brandon Lewis]

My right hon. Friend makes an important point. As we have seen, tragically, in the recent past as well as this week, the current system has simply not been working for anybody. It is failing to bring satisfactory, speedy or timely outcomes for families, leaving Northern Ireland with unanswered questions for families within it. That leaves society hamstrung, effectively, by its past. That is why, as a Government, we are committed to finding a way forward that will allow individuals and families who want information to seek and receive those answers about what happened during the troubles with far less delay and distress. We have a duty to the victims and the families in Northern Ireland as a whole to deliver on that.

[Mr Gregory Campbell (East Londonderry) (DUP) [V]]

The Ballymurphy families have waited for 50 years to get even this limited form of closure. To compound matters, one of the victims also had a young teenage son brutally murdered by the IRA just two years afterwards. Will the Secretary of State ensure that, whether it is the families of innocent victims in Ballymurphy or shortly afterwards—for example, the Claudy bomb carried out by the IRA in 1972 in my constituency, about which they have received no closure, no justice and no apology—they do not suffer the ignominy of hearing about an amnesty in the next few months?

[Brandon Lewis]

The hon. Gentleman highlights the complexity and sensitivity of the issues and reinforces the point that it has been far too long for people to have to wait to get to the bottom of the truth. Part of reconciliation is the ability to understand what happened—that is hugely important—but it is also about accountability. That is why it is important that the state takes accountability, as we are doing, for what happened in the Ballymurphy case. Others should do the same, where there is relevance for them and actions were taken by them. It is important that we get to the heart of what happened, so that people can have that understanding, accountability and truth.

Oral Answers to Questions

Debate between Brandon Lewis and Gregory Campbell

Wednesday 21st April 2021 Commons Chamber

[Brandon Lewis]

Yes, absolutely, and I am very proud of the fact that we do. We have a Prime Minister who has been very much engaged. The hon. Gentleman should look at the Prime Minister’s comments and the fact that he was talking to the Taoiseach in the early stages. I absolutely agree with the hon. Gentleman’s opening remarks about dissident republicans. The Prime Minister has been actively involved. He has been in full communication all the way through this process. In terms of looking at how people deal with this, I would just say that all Members of this House, including some in the hon. Gentleman’s own party, need to think very carefully when they are tweeting things that could be seen as incendiary to make sure we all take the right tone on these matters to ensure we return calm for people as quickly as possible.

[Mr Gregory Campbell (East Londonderry) (DUP) [V]]

Having spoken to my constituent yesterday who was the subject of such a disgraceful attack, I can tell the House that the victim and her family deeply appreciate the unanimous support, and that the wider community in County Londonderry does as well. The Secretary of State has indicated his concern about the rising tensions. Will he take more steps now to understand the activities that are going on, the rationale behind them and the need to stand up to the violence, but also the need to understand and take action to deal with the underlying problems that exist in those areas?

[Brandon Lewis]

Yes. I think the hon. Gentleman alludes to a wider issue that the previous questioner rightly raised in the statement last week. A multi-faceted set of issues came together over the last few weeks. We should not allow ourselves to miss out on the fact that it is important and highlights why we have to do more work to ensure that, as we are levelling up and building back better across the United Kingdom, that reaches all communities and that all communities can benefit, see opportunities, see growth, and really have a better opportunity for a better and brighter future.

Northern Ireland

Debate between Brandon Lewis and Gregory Campbell

Tuesday 13th April 2021 Commons Chamber

[Brandon Lewis]

The hon. Lady makes a good point, and it is another example of how, even in an extended discussion such as this one, many more issues have been involved over the past few weeks. She is right to mention social media and people being subject to fake news, bot accounts and so on, and all those things have played a part. The PSNI and, more widely, the Executive and the UK Government are working with social media companies, and people should be cautious and aware of these things. That kind of activity on social media does not help anybody, and the social and digital media companies have a part to play in helping to ensure that such messaging does not spread and risk more violence anywhere on the streets of the United Kingdom.

[Mr Gregory Campbell (East Londonderry) (DUP) [V]]

The Secretary of State indicated that there was widespread condemnation of the violence of the past week or so, and he is right. That was not always the case, but thankfully it is now. Two outstanding problems need to be resolved with the utmost urgency. One is the Northern Ireland protocol, which he alluded to, and the other is the position of the Chief Constable. Will the Secretary of State recommit himself to ensuring that those two obstacles to progress can be dealt with in a satisfactory way, so as to take us forward peacefully and democratically?

[Brandon Lewis]

As I have outlined this afternoon and previously in the House, we have a clear focus on the work to move things forward on the protocol in a pragmatic and flexible way, so that it works and delivers for people in Northern Ireland, without hindrance or problem. The entire focus of the Chief Constable is on the safety and security of people in Northern Ireland, and I support him in that work.

Abortion in Northern Ireland

Debate between Brandon Lewis and Gregory Campbell

Thursday 25th March 2021 Commons Chamber

[Brandon Lewis]

As I have outlined, these regulations are about the UK Government fulfilling our legal obligations imposed by Parliament in 2019, and it is about ensuring that women and girls in Northern Ireland have access to the same quality and kind of healthcare that they would have anywhere else in the United Kingdom. As Northern Ireland is part of the United Kingdom, it is right that people in Northern Ireland have access to healthcare in the same way they would if they were on mainland Great Britain.

[Mr Gregory Campbell (East Londonderry) (DUP) [V]]

The Secretary of State on a number of occasions has talked about healthcare for women and girls, and we concur—it is important to look after expectant mothers and young pregnant woman—but the one thing he has not mentioned and the one person he has not mentioned is the right of the unborn child. If Parliament is seeking to overlook the devolutionary settlement in that regard and he is seeking to do that, who will look after the rights of the unborn child?

[Brandon Lewis]

The hon. Gentleman has outlined the strength of feeling, and as I said earlier, I appreciate that there are strong feelings on this issue. It is a sensitive issue across the United Kingdom—we refer to Northern Ireland, but I know that people have strong views on this across the House and across the country. He has also outlined, I would argue, why it is right that we ensure and the Department of Health ensures that women and girls have access to proper quality, qualified healthcare and support in Northern Ireland, as they would elsewhere in the United Kingdom, to ensure that they are not being treated unofficially, potentially by people who are not properly qualified to assess the genuine individual needs of any given case. A medical professional is, and that is why it is right that this is done in the way that it is elsewhere in the UK and they get the proper support that they should be and are entitled to.

Northern Ireland Protocol

Debate between Brandon Lewis and Gregory Campbell

Wednesday 10th March 2021 Commons Chamber

[Brandon Lewis]

My hon. Friend is absolutely right. This is a global pandemic and we need to work together globally to combat it, get on top of it and be able to move back to normal life. That is particularly the case on the island of Ireland, where that single epidemiological unit means we have people who work, live, school, shop and enjoy their lives in normal times on both sides of the border—in Northern Ireland and the Republic of Ireland—so we want to be working together on that. I hope that that will continue. The working across between the Irish Government, the UK Government and the Northern Ireland Executive has been very strong over the past year. I have been pleased to be able to chair the Joint Committee with my sort of opposite number, Simon Coveney, where we have been bringing together our relevant Ministers to work together on the battle with covid for the benefit of people in both the Republic of Ireland and Northern Ireland.

[Mr Gregory Campbell (East Londonderry) (DUP) [V]]

The Secretary of State has referred to the temporary nature of last week’s announcement, as well as the tensions that have resulted from the implementation of the protocol for some months now. Does he grasp fully the degree of resentment that exists in Unionism in Northern Ireland, where the consent from the Unionist community has now diminished to the point where radical action and radical steps have to be taken by his Government as a matter of urgency?

[Brandon Lewis]

I appreciate that the hon. Gentleman outlines a strength of feeling that is absolutely there. The tension and palpable feeling within the Unionist community over what has happened in the past few weeks is clear, particularly following the action on that Friday night. I know he has made the case quite strongly about that. This is why it is important that we all work hard to ensure that we can find a pragmatic, flexible way to move forward to ensure that we can deliver things for the people in Northern Ireland in the way that was always intended. Ultimately, the future of the protocol will be in the hands of the people of Northern Ireland, through the consent mechanism.

Patrick Finucane: Supreme Court Judgment

Debate between Brandon Lewis and Gregory Campbell

Monday 30th November 2020 Commons Chamber

[Brandon Lewis]

My hon. Friend makes an important point. We need to be clear about the difference between the PSNI process and the police ombudsman work. The independent Police Ombudsman for Northern Ireland will look at the actions and the activities of the Royal Ulster Constabulary. The PSNI will look at the case through the eyes of a police force. It is operationally independent of the Government, and as I said, it has indicated that it is likely to ask an independent force to take the case forward. I therefore believe that we can have confidence in the PSNI’s independence and in that of the process.

[Mr Gregory Campbell (East Londonderry) (DUP)]

There can be no justification or reservation regarding the murder of Pat Finucane. However, unlike thousands of other wrong and unjustifiable murders, there have been investigations, people in court and people convicted of this murder. Thousands of other relatives had none of those outcomes. Does the Secretary of State agree that to properly deal with the past, we need to see the same unequivocal condemnation from across the House of the murder of Pat Finucane applied to all the other murders, including the terror campaign that was carried out by the organisation that Pat Finucane’s brothers, Seamus, John and Dermot, were part of for many years?

[Brandon Lewis]

The hon. Gentleman has just highlighted the strength of feeling across communities on this issue, and understandably so. It is absolutely right that we are all clear that there are too many people from across Northern Ireland—and, indeed, the rest of the United Kingdom—who lost people and who still do not have the information about and understanding of what happened in the way that they should. We must all work to ensure that we are doing everything that we can to get that information, with a pathway to reconciliation for people. Any life lost is one too many, and none of us should be doing anything other than respecting the people who lost people through the troubles in such tragic circumstances and often in a way that none of us today could ever excuse.

Northern Ireland Protocol: UK Legal Obligations

Debate between Brandon Lewis and Gregory Campbell

Tuesday 8th September 2020 Commons Chamber

[Brandon Lewis]

My right hon. Friend makes a very generous point about a number of my predecessors. They all worked hard—across this House, to be fair—in terms of the gains from the peace process. He is absolutely right that one message that consistently comes from Northern Ireland businesses across all sectors is the desire for certainty and understanding of what the situation will be for them in terms of trade, as Democratic Unionist party Members have outlined as well today, should we get to January and a free trade agreement has not been agreed. We have outlined the matter in the Command Paper and the guidance notes, which was positively received. The work we have done on the UK internal market Bill will go further to ensure that they have confidence in what the situation will be, even if we are not able to succeed in a positive outcome to those agreements and discussions of the Joint Committee.

[Mr Gregory Campbell (East Londonderry) (DUP)]

Does the Secretary of State agree that what was used as a negotiating ploy over the first few years was the concept of a hard border on the island of Ireland, when most people should know—if they are in the real world—that it is inadvisable, unworkable and undoable? No one wants it to happen and no one is going to construct it. Will he ensure his colleagues know that we must not allow something that is not going to happen to impede the need to get something that must: a good deal?

[Brandon Lewis]

The hon. Gentleman makes a very powerful point, and he is absolutely right that nobody wants to see, and there is no reason for there to be, a border either on the island of Ireland or between the island of Ireland, Northern Ireland and Great Britain. We are determined to deliver on that. As I have said, the clauses in the UK internal market Bill are there as a safety net to ensure that, even if we do not reach a satisfactory conclusion to the free trade agreements, although that is something that I am sure both parties, acting in good faith, will be able to do in the coming weeks and next few months.

Oral Answers to Questions

Debate between Brandon Lewis and Gregory Campbell

Wednesday 5th June 2019 Commons Chamber

[Brandon Lewis]

My hon. Friend makes a very good point. That is, of course, a matter for the Welsh Labour party in the Welsh Assembly. We have taken the view here that excluding disability-related expenses is vital to closing the gap between candidates with disabilities and candidates without disabilities, therefore enhancing equality of opportunity.

[Mr Gregory Campbell (East Londonderry) (DUP)]

In supporting candidates with disabilities to stand in elections, does the Minister not agree that there could be a further benefit? It could result in the voting population of those with disabilities coming to the voting booths in person to vote for disabled or able-bodied candidates.

[Brandon Lewis]

The hon. Gentleman makes a very good point. It is good for us to ensure we have candidates from all backgrounds and all abilities, with candidates with disabilities having the opportunity to stand. There is a duty on all of us in political parties to do that. I am very proud that the Conservative party has a fund to support candidates who need extra help.

Oral Answers to Questions

Debate between Brandon Lewis and Gregory Campbell

Wednesday 13th March 2019 Commons Chamber

[Brandon Lewis]

The best advice I can give the hon. Lady is not to get tempted to believe rumours of Cabinet leaks that she reads about in the newspapers. If she looks at the Government’s track record, she will see that we are delivering record employment levels and record low unemployment, that we are improving wage levels for people who work for the Government, and that we are delivering for people, with good and outstanding education continuing. I am sure she will look forward to hearing more about that in the spring statement later today.

[Mr Gregory Campbell (East Londonderry) (DUP)]

Compared with two years ago when we triggered article 50, how much more and better prepared is the civil service right across the UK for what needs to happen in the next few months?

[Brandon Lewis]

Work has continued over the past two years. As the hon. Gentleman may recall from answers I have given at the Dispatch Box over the past year or so, the number of civil servants focused on this policy area has changed and increased as required, so that we are ready to leave the European Union on 29 March.

Oral Answers to Questions

Debate between Brandon Lewis and Gregory Campbell

Wednesday 6th February 2019 Commons Chamber

[Brandon Lewis]

I do not think that my hon. Friend would have been breaching confidentiality, because if such conversations are happening, that represents a threat that he would be well within his rights to report to the police.

[Mr Gregory Campbell (East Londonderry) (DUP)]

I have been subjected to online intimidation. Does the Minister agree that we need to drive home the message that the secrecy of the iPhone or keyboard is not protection enough for people to spew vile, intimidatory statements and messages to anybody in public life?

[Brandon Lewis]

The hon. Gentleman makes a fair point. All of us in public life should call out such things when we see them. We must be clear about what is unacceptable and report it to the authorities where appropriate, so that people feel able to engage online in a proper and fair way without intimidation or abuse.

Oral Answers to Questions

Debate between Brandon Lewis and Gregory Campbell

Wednesday 19th December 2018 Commons Chamber

[Brandon Lewis]

My hon. Friend makes a good point. It is right that, with just over three months to go before we exit the EU, we need to accelerate and intensify these preparations. I am confident that the civil service is well equipped to deal with that, but of course our focus and our key priority is to get the right deal with the EU and one that we can pass that through this House in January.

[Mr Gregory Campbell (East Londonderry) (DUP)]

Will the Minister liaise with his colleagues in the Cabinet Office to ensure that civil servants, both there and in the Department for Transport, speedily come to a conclusion on air passenger duty and corporation tax, thereby giving a considerable boost to the Northern Ireland economy?

[Brandon Lewis]

My colleagues in the Cabinet Office and in the Department for Transport are working together to ensure that everything is as smooth as it can be. However, I would reiterate that the best way to have a smooth solution to all this is to support the withdrawal agreement that the Prime Minister is putting before this House.

Oral Answers to Questions

Debate between Brandon Lewis and Gregory Campbell

Monday 29th June 2015 Commons Chamber

[Mr Gregory Campbell (East Londonderry) (DUP)]

There is a significant disparity in the rate of public sector development across the United Kingdom. Will the Minister undertake to hold discussions with the relevant Ministers in each of the devolved Assemblies and Parliaments to ensure that residents in each of the parts of the UK get maximum bang for their buck?

[Brandon Lewis]

The hon. Gentleman makes an interesting point. Ministers are talking all the time; the Secretary of State has been very clear about driving the matter forward. He wants all Departments to deliver to ensure that we get to 150,000 homes. I am happy to look at what he suggests. If we can work with the devolved authorities to ensure that residents right across the United Kingdom benefit, I will be happy to do so.

Pension Plan Charges

Debate between Brandon Lewis and Gregory Campbell

Wednesday 7th December 2011 Westminster Hall

[Brandon Lewis (Great Yarmouth) (Con)]

It is a pleasure to serve under your chairmanship this afternoon, Mr Gale. I declare an interest: I have a pension myself, and I draw Members’ attention to the Register of Members’ Financial Interests, as I have an interest in a company that has a pension scheme.

“Annual management charge”, “reduction in yield” and references to “bid/offer spread” are just a few of the descriptions that can be attached to our pension pots. When our annual pension statement arrives, do any of us study it in great detail, or do we just glance at it before scratching our heads and filing it away?

I imagine that most consumers feel confused when they see phrases such as “annual management charge”, “reduction in yield” and “bid/offer spread”. A natural reaction is to assume that pension companies and fund managers understand it all and know what is best for us. Many, however, feel that the information is important, but do not understand why that is so, or what it means, particularly, for their final pension pot. That is why the pensions industry and the financial media will carefully watch our deliberations today. Perhaps the complexity of the issue means that many people are unable to understand and see the purpose of it, or why it matters so much. That may well be an indication of why Members are present today.

It is right for there to be constant demands for transparency about pension fund investments, as the hon. Member for Dagenham and Rainham (Jon Cruddas) highlighted in an Adjournment debate last year, and transparency about pension charges should be no different. It is easy for us, as politicians, to exhort that everyone should save for retirement—they are easy words. We want people to do that to be able to provide for themselves when they are older. In Government, it is easy and clear, with our experts to advise us, to see why that matters and why money put away when we are young matters more as we get older. The biggest challenge for the Government and the pensions industry is to overcome consumers’ attitude towards pensions—only half of working adults between the ages of 20 and 64 are currently saving for retirement.

Although the biggest reason given by consumers for the lack of saving is their inability to afford the contributions required to build a pension pot, there are other interesting underlying problems. A quarter of respondents in a study by the National Association of Pension Funds stated that they did not trust the pensions industry. Other surveys indicate that 80% of people want greater transparency about how pensions operate and what they cost. Although research conducted by a pension provider, Aviva, suggests that only 2% of people cite charges as the single prohibitive factor preventing them from investing in a pension, the proportion rises to a worryingly staggering 20% for the under-24 age group.

Can we assume that the lack of transparency about pension charges, alongside a misunderstanding about the system of charges, is a fundamental problem holding back a wider retirement savings culture? If so, it is particularly pronounced among the lowest age groups and lowest earners. We need to target the transparency at the new generation of workers, whom we need to get saving as soon as they enter the workplace.

My position in today’s debate is not to focus or comment either way on the level of charges; it is for the companies that provide pensions and advice on pensions to argue why their charges are at a particular level when the charges of others are at another. The point of today’s debate is to highlight the need to be able to compare and understand charges and costs.

[Mr Gregory Campbell (East Londonderry) (DUP)]

I congratulate the hon. Gentleman on securing the debate. Regarding the lack of transparency about charges, we sometimes see what I believe to be helpful information in the financial press. We should push companies to ensure that they provide information on the impact that those charges will have, year on year, on the final pension received by a payee.

The point that needs to be clarified is the effect that charges will have at the age a person retires—60, 65 or 68; it is not just about making sure that the charges are transparent. Surely, if the ongoing and year-on-year impact of those charges were transparent, there would be a huge impact on a person’s choice of company.

[Brandon Lewis]

The hon. Gentleman makes a good point, and I will touch on it later. I fully agree that one of the issues that people do not understand is that a figure that seems small now can have a huge impact on how a pension pays out later on—up to 25%, as I will touch on later. The hon. Gentleman is absolutely right. That is exactly the clarity and understanding that we need.

Provident Financial’s clients are low earners, who often borrow just £100 or less to get through to the end of the month. The company told me recently that the issue for many of them is not so much about whether they can save. They may be able to save only a small amount; I know that the Minister appreciates that, because we have had a conversation about it. In some cases, it could even be just a few pounds a week or month. However, all that money can add up to mean something later.

The hurdle that those customers find is psychological. The company said to me that people who are on the lowest incomes understand and learn how to manage their money and how to get their family through a week or a month. Within that, they will still do certain things—£1 or £2 a week on sweets for the children, or something like that. What they do not do is trust an unnamed and unknown big organisation with some of their money, because it is complicated and there is no face to it. That is why they use organisations such as Provident Financial rather than high street banks.

By dealing with the issue of transparency, we may well be able to break through that psychological barrier and get more people saving. If the industry is clearer and puts things across more simply, it will instil more confidence in the customers that it is looking to pick up. I will return to that with a clear example in a moment.

The system is complex. People’s underlying attitude is unsurprising, given that we have such a diverse and complex pensions industry, with a wide range of schemes and options alongside an array of different regulatory regimes. A wide range of items may be included in pension charges—and alas, with no clear industry standard at the moment, providers often differ on what is included. Just to name a few, any or all the following may be included: product management, communications, services, administration, regulatory requirements, some investment management and, possibly, the cost of providing advice. How can any consumer find an easy way to compare like with like when there is such a range of options and figures printed on a statement? It is simply not possible.