(1 year ago)
Commons ChamberI thank the hon. Lady for her intervention. In fact, the point of my speech is not only to thank the Minister for that Bill, but to probe and ask questions about it.
We are going for a hat-trick of interventions, one after the other. I congratulate the hon. Gentleman on bringing this debate forward. It is critical not only for those here, but for many others who are unfortunately not able to make it. I agree with the hon. Member for Southend West (Anna Firth) that the football governance Bill appearing in the King’s Speech is a significant step forward. In Strangford, we have many fantastic local clubs, including Ards football club in the major town of Newtownards. Does the hon. Gentleman agree that a football regulator for finance must apply to all of the United Kingdom of Great Britain and Northern Ireland, and especially to support small, local clubs so they can reach their full potential? This is not just about Reading or Southend; it is about all of us in this great United Kingdom, if we do the thing right.
I thank the hon. Gentleman and I hope that the action the Government are proposing is brought forward and has the widest possible impact across the UK.
I take this opportunity to thank the thousands of local fans who have shown their support for a change of ownership of Reading FC, including the 1,400 people who joined a march from our town centre to the stadium a few days ago. It was an incredible show of support, and one that led to the unexpected closure of the A33 due to the huge numbers who took part. I thank all the drivers on the other side of the road—a two-lane trunk road—who hooted in support and cheered us on. I thank Reading FC legend Dave Kitson for leading the march and for his support for both the club and the campaign.
I thank our local council, including the council’s leader, Jason Brock, Councillor John Ennis, who has been a Reading fan since 1975, Councillor Adele Barnett-Ward and others. I thank John in particular, because he took part in a previous march in 1983 against Robert Maxwell’s ill-thought-through plan to merge Reading with Oxford United. I should add that John has been our lead councillor for transport for just four months and already he has shut a major road, which is not something that many councillors get to do.
I also thank my fellow Berkshire MPs, particularly the hon. Member for Bracknell (James Sunderland), the right hon. Member for Reading West (Sir Alok Sharma) and my hon. Friend the Member for Slough (Mr Dhesi). Sadly, the hon. Member for Bracknell cannot attend the debate due to illness, but he is a fan and hugely enjoyed the march. Despite the local political differences, he marched next to John and other seasoned campaigners and marchers from the Labour council—although, funnily enough, he seemed to feel more at home when the fans started chanting “Blue Army” as we walked down the road. I thank him, the Minister and colleagues from across the House for their support.
I turn now to the substance of the debate. It is clear to us all that there is an ownership problem in English football. I will use the debate to explain the terrible impact of that ownership problem on Reading and, by implication, on many clubs across the country, and to ask the Minister to reassure fans, players, staff and local communities. As I said earlier, I welcome the Government’s announcement that they plan to bring forward a Bill to regulate football. That is an important step.
I call on the Government to live up to that promise. Ministers must ensure that the Bill includes proper powers for the regulator and, crucially, that there is enough parliamentary time for the Bill in the last months before a general election. Above all, the Government need to show us that they have the determination to press forward with what they have promised. I know my hon. Friend the shadow Minister is willing to work with them, as are we MPs, fans and the whole football community. I hope the Minister will confirm that the Government are serious and will commit to them taking this vital work forward as a matter of urgency.
I will turn now to Reading football club. To put it clearly and simply, as loyal fans did on the march last week, we want our Reading back. The story of what is happening to our wonderful club is quite simply heartbreaking. It is terrible, and I could use much less parliamentary language—as was occasionally heard as we marched down the A33. The situation we face stands in stark contrast to the history and traditions of our great club.
Reading was founded in 1871, and it is one of the oldest clubs in English football. The fans, the players of the men’s and women’s teams, and the staff have all been badly let down. In men’s football, Reading has been a championship club, knocking on the doors of the premier league. It has enjoyed three seasons in the top flight. In fact, we were one place outside getting into Europe at the end of our first premier league season, in 2006-07. Fans have vivid memories of the nineties, the noughties and our most recent time in the premier league 10 years ago—the proudest possession of one of my children is a ball signed by the whole team from that heady time—under the wise leadership of brilliant managers such as Steve Coppell, who guided gifted players, many of whom were local and came up through the club’s academy, and the committed support of the then owner, Sir John Madejski, whom I thank for his wise stewardship of the club.
The club and the wider football community used to talk about “the Reading way”: developing and motivating players at a local family club, and achieving far more than others would have thought possible. That includes—I particularly like saying this—beating Watford 4-1 to win the Simod cup at Wembley; winning the championship a number of times, most recently in 2011; knocking on the door of the premier league in successive play-offs; and great FA cup runs, including sadly losing to Arsenal in the semi-final in 2015.
Crucially, the women’s team were also punching above their weight, and were a real success story. Until recently, they were playing in the women’s super league thanks to brilliant players and management, and were on the brink of doing something amazing. Sadly, that run of success has now ended.
The club was sold in 2013, and a succession of owners have presided over a worsening situation. Unfortunately, our men’s team is now languishing at the bottom of league one, through no fault of their own—16 points have been deducted from the club in the last few months for an array of financial mismanagement by the current owner, Chinese businessman Dai Yongge, not for anything that has happened on the pitch. That financial mismanagement includes Mr Yongge failing to pay wages and national insurance. His Majesty’s Revenue and Customs had lodged winding-up petitions before the NI was paid. Mr Yongge’s term as owner started well, with investment in players and the training ground, but sadly he seemed to lose interest. This may be a familiar story to others who follow the history of many of our clubs.
The effect of those points deductions has been absolutely appalling. Reading’s men’s team was relegated from the championship to league one at the end of last season, and further points deductions have left us at the very bottom of that league. To make matters worse, it now looks as if the club will be relegated again at the end of this season. That would leave us playing in league two. The owner has also pulled the funding for the women’s team, which made them unsustainable as a professional outfit—sadly, the players are no longer fully professional—and they too have been relegated.
Let me say a brief word about players, staff and fans. Quite simply, they are doing a determined job to remain positive in an extremely difficult and challenging situation that is not of their making. We are all extremely proud of them, and I pay tribute to them all. Young, less experienced players—the men’s team are the youngest in the league—who in some cases should still be in the academy or on the bench, are playing with grit and determination despite everything that has been thrown against them. Fans with families and busy jobs have come together to fight for our club in a community campaign that has made the national news. We are all very proud of them, and I want to say: “Come on you R’s!”
(1 year, 9 months ago)
Westminster HallWestminster Hall is an alternative Chamber for MPs to hold debates, named after the adjoining Westminster Hall.
Each debate is chaired by an MP from the Panel of Chairs, rather than the Speaker or Deputy Speaker. A Government Minister will give the final speech, and no votes may be called on the debate topic.
This information is provided by Parallel Parliament and does not comprise part of the offical record
I beg to move,
That this House has considered overseas aid, child health and education.
I am grateful for the opportunity to speak in today’s debate about this important subject. I want to start with a moment’s reflection. All of us here today are lucky to live in the developed world, and in the United Kingdom in particular. So many people around the world face such enormous challenges, and it is important to remember that many of those challenges are getting worse, as far too many people struggle with the effects of the climate emergency, war and natural disaster. It is our responsibility in the developed world to help those who have not had the same opportunities that we have had. Indeed, that is a duty for all of us.
That duty has been thrown into sharp relief by the recent tragic events in Turkey and Syria, and I turn first to the earthquake before addressing longer-term development issues. It has been simply heartbreaking to watch the horrific images of the earthquake in Turkey and northern Syria. The recent quake was the worst for nearly 100 years, and measured 7.8 on the Richter scale. It was, quite simply, an incredibly powerful natural disaster, and sadly the effects seem to have been made worse by what can only be described as apparent shoddy building practices and lax regulation.
I pay tribute to all those taking part in the response to this dreadful disaster—both those in Turkey and Syria, and those across the whole world. The Disasters Emergency Committee in Britain, local branches of charities, local communities and local residents who have taken part in collections are all doing their bit to help those in need at this most awful time. It falls to us to help, both in emergencies such as the earthquake or the recent floods in Pakistan and over the much longer term. I am sure that everyone in the United Kingdom shares those concerns and that commitment to help.
Let me turn to wider development issues, which are the subject of today’s debate. There is no doubt that the world is changing, but although many countries are developing, there is still enormous economic and social inequality across the world. It is truly sobering to consider the scale of this enormous problem. Even today, nearly one in 10 of the world’s population lives in extreme poverty, despite considerable steps forward in the last 40 or 50 years. That poverty is found in many countries, and in particular blights the lives of people living in rural areas and many of those who have migrated to the enormous cities that are emerging around the world. There remains extreme inequality in health and education, as I will return to later.
I want to make some broader points and recap the recent direction of Government policy. Turning to recent history, the last Labour Government made real steps forward. They brought in the 0.7% target for aid, so that the proportion of GDP spent on aid matched the amount recommended by the UN—picking up on work that went as far back as the Brundtland commission in the 1980s. It is important that Britain led on that policy, and there were very real results: 1.5 million more people received improved sanitation and water services, and this country helped 40 million children go to school. I also acknowledge the very important work that Cameron’s Conservative Government did in continuing that policy.
Sadly, the 0.7% target was scrapped by more recent Conservative Governments, which has left the UK presiding over a declining aid budget. Worse still, there have been attempts to rebadge other spending as aid, including the deeply mistaken plan to spend £3 billion from the development budget on the cost of housing refugees. That mistaken approach has knocked down the pillars on which the UK’s international leadership was built, and it has damaged Britain’s credibility around the world. Added to that, a botched merger of the Department for International Development and the Foreign and Commonwealth Office has undermined delivery.
Development spending is not only a force for moral good, as I mentioned earlier, but sensible policy. Aid from the developed world is helpful and important, and although it is not the only answer, it can be a significant force for good. British aid has played an important part in helping those in need around the world. Our contribution has declined, and our influence and ability to be a force for good are in retreat.
I commend the hon. Gentleman for securing this debate; he always brings very important subjects to Westminster Hall and the main Chamber. Does he recognise that, although the Government have a role to play, there are many non-governmental organisations and charities—I think of many church groups in my constituency—that come together to make significant contributions to health, education, job opportunities and ensuring that young girls have an equal opportunity to young boys? I can speak for the Elim church mission in my constituency as one example. We cannot ignore what they do in Zimbabwe, Malawi and Swaziland. They make a contribution alongside Government, and that cannot be forgotten.
I commend the hon. Gentleman for his words. Of course, the work of community, voluntary, church and other faith groups is so important and makes an enormous contribution, and in many ways plays a leading role in aid around the world.
As I was saying, I am afraid that our influence is in retreat, as is our ability to be a force for good. That sad reality should be—and I hope will be—a cause for reflection and a much-needed reassessment by the Minister and his colleagues.
(2 years, 9 months ago)
Westminster HallWestminster Hall is an alternative Chamber for MPs to hold debates, named after the adjoining Westminster Hall.
Each debate is chaired by an MP from the Panel of Chairs, rather than the Speaker or Deputy Speaker. A Government Minister will give the final speech, and no votes may be called on the debate topic.
This information is provided by Parallel Parliament and does not comprise part of the offical record
It is a pleasure to serve under your chairship, Ms Bardell. I pay tribute to the hon. Member for Amber Valley (Nigel Mills) for what I thought was a very thoughtful and knowledgeable speech, which has left us all with a great deal of food for thought.
I also thank the Chair of the Select Committee, my right hon. Friend the Member for East Ham (Stephen Timms), and Members across the House, in particular my hon. Friend the Member for Kingston upon Hull West and Hessle (Emma Hardy) and the hon. Members for Strangford (Jim Shannon), for Kilmarnock and Loudoun (Alan Brown) and for Glasgow South West (Chris Stephens). In addition, the hon. Member for Grantham and Stamford (Gareth Davies)—I beg his pardon—spoke with great knowledge of the sector; I appreciate his detailed explanation.
I do not want to completely rehash or repeat points that have been made by colleagues, but I want to focus the Minister and ask him for a response on one or two very important things. First, however, we should acknowledge, seven years on from their introduction, that while increased pension freedoms have brought greater flexibility, they have also resulted in a potentially greater degree of risk. Although advice services such as Pension Wise have played an important role in making advice more available, the service’s own figures show that just 14% of savers are accessing that advice. That really is not good enough.
Clearly, most people will make a decision about their pension—a decision of this scale—only once in their lives, so it is staggering that only 14% of people are receiving appropriate advice from Pension Wise. Imagine if only 14% of people were seeking advice for any other major financial decision—obviously, alarm bells would be ringing in Ministers’ offices and across the relevant sector. We have to reflect on that, so I hope that the Minister will try to address some of the thoughtful and well-made points raised by the hon. Member for Amber Valley and others.
I also want to draw the Minister’s attention to the fact that the same points have been raised by a number of other voices outside of the House today, so I hope he will go into this issue in some detail. I hope, in particular, that he will address the point made by the hon. Member for Amber Valley that many of the people who are not seeking advice have smaller pension pots and possibly less financial experience, and may need a greater degree of support, while those seeking advice appear to have larger pension pots and, arguably, may have a bit more financial experience. That seems to be the wrong way around.
I hope that Government policy can focus on that and, in particular, that they will look at some of the behavioural points—the nudges—and ways that they may legitimately assist people in this important matter. The Chair of the Select Committee also raised some interesting and thoughtful points on the issue of the potential trial service. I hope the Minister will comment on those.
I appreciate that time is limited, so I want to draw the Minister’s attention to another key area; I hope he will update the House on what the Government intend to do on this matter. The flip side of the lack of advice is the very sad and quite worrying growth in the number of scams; it is interesting that the two things have happened at the same time. While organisations such as Age UK have produced guidance to support those who may be vulnerable, it is really the role of Government to do much more on this important issue. Again, as with the issue of the lack of advice, the question of scams has been highlighted by the official Opposition, the Work and Pensions Committee, former Ministers and other respected figures such as Martin Lewis.
The pensions industry estimates that more than 40,000 people may have been cheated out of £10 billion-worth of pensions savings since freedoms were introduced in 2015. Action Fraud has reported that pension scams are becoming one of the UK’s most common types of fraud. These scams are often harder to spot than expected, even for those with good IT or tech skills. Research by Citizens Advice showed that one in eight people who said they were confident with technology found it difficult to spot a scam. However, it is possible to take action against that sort of fraud; as the Minister knows well from his involvement in the passage of the Pension Schemes Act 2021, the Government have taken action on telephone fraud, which is a related type of scam.
The hon. Gentleman is absolutely right. If someone is approached by a person with a scheme to improve their pension that looks too good, it probably is too good. Be careful—if someone promises you the world, the stars and the moon, there is something wrong.
The hon. Gentleman makes an excellent point; we do need to apply common sense to these very important matters. As I was saying, the Pension Schemes Act made it illegal to cold call and offer advice, in an attempt to reduce the number of telephone scams. Obviously, there are other forms of scams.
(2 years, 10 months ago)
Commons ChamberIt is a pleasure to speak in this important debate. I express my support for new clause 1; I am grateful to the right hon. Member for Hemel Hempstead (Sir Mike Penning), and to others across the House, for their words tonight and for pointing out the enormous imbalance between powerful developers on the one hand and people buying a property for themselves, who possibly do not have all the information before them that ideally they should, on the other.
I refer to an issue in my own constituency, an attractive modern development on the edge of the town of Woodley, which is part of my Reading East constituency. The Loddon Park development is relatively recent, but there is a clear need for action to be taken. This development is in the south-east of England, a different part of the country from many of the developments mentioned tonight, and while there are some similarities there are also some differences.
Loddon Park is an attractive new estate, built in the past few years in parkland on the edge of Woodley. There are several hundred properties, a mixture of owner-occupied and some social housing. There are many attractive ponds and features, including meadowland, in the development. Unfortunately, when the whole development was given planning permission, the local authority—mistakenly, I believe—allowed the site developer to charge upkeep for those common areas in perpetuity. There is no limit, as I understand it, to the charge that can be made. It is deeply unfair for normal householders—many of them have young families, are commuters who work locally and are facing, like many people across the country, significant rises in the cost of living—to face in addition ongoing costs for maintaining the landscape around their homes. Frankly, that is wrong.
I hope the Minister will consider new clause 1. We have heard arguments from many MPs across the House and from different places around the country, whether in the south or the north of England; we have heard from the Chair of the Select Committee, my hon. Friend the Member for Sheffield South East (Mr Betts), who set out some powerful legal arguments for why this action should be considered. I hope the Minister will look at it again, even at this stage, and will consider further action by the Government and our new clause.
It is always a pleasure to make a contribution in such debates, and it is nice to be here. When we look at amendment 1 and the reasons why the right hon. Member for New Forest West (Sir Desmond Swayne) tabled it, as he expressed in his contribution, it is hard to say that we should not support it.
We must make sure that there is financial fairness for leaseholders, especially long leaseholders who plan to hold a lease for more than 21 years. The issue of ground rent payment has been brought to my attention by my constituents, and the hon. Member for Warrington South (Andy Carter) rightly gave an example of his constituents. An elderly couple in my constituency, who paid their mortgage off more than 15 years ago, are still paying ground rent of more than £50 a year. Although that is not much, I am pleased that the need to abolish this has been recognised. We already changed the legislation in Northern Ireland, so I understand why this Minister and Government are looking forward to making these changes tonight. Many Members have stated that many people have long leases with higher ground rents at the start of their lease, with shorter ground rent review periods. As a result, leaseholders face unsustainable ground rents, so there is a real need to change this, as hon. Members have said.
Leaseholders with high or escalating ground rents will often struggle to remortgage or sell their houses, leaving them in greater financial distress. The Bill aims to restrict ground rents on newly created long residential leases, with some exceptions, to a token of one peppercorn a year. That effectively restricts ground rents to zero financial value. The intention is to make leasehold ownership fair and more affordable for leaseholders. We should support that purpose.
In Northern Ireland, individuals can apply to the Land Registry to buy out their ground rent. In some cases, the individuals cannot afford to pay the substantial sum outright, so I am pleased that the Bill has assurances for long leaseholders and that Government have protected householders. If ground rent is demanded in contravention of the Bill and any payment received is not returned in 28 days, the landlord will face a fine ranging from £500 to £30,000 per qualifying lease. The fines are clear and hopefully prohibitive.
However, there is one substantial problem with the Bill, as others have said: it will apply only to new leases and will not assist existing leaseholders faced with high and escalating ground rents. I feel that they should not be left behind and I would be grateful if the Minister clarified this matter, looked at it again and considered the impact that the situation has not only on finance, but the possibility of remortgaging or selling property.
The Bill’s commencement date has also raised concerns across the House, so I would be grateful if more clarity was given about that. A Bill on broader leasehold reform is expected in the third Session of this Parliament and I would encourage discussion and a closer look at how the situation can be improved to make circumstances easier for leaseholders. Others have said that we just need a wee bit more movement, and perhaps that can be done in the next Session.
(4 years, 2 months ago)
Commons ChamberI thank my hon. Friend for that contribution, because it points out just how dire this problem is, on so many fronts. The point I was about to make relates not just to the taller buildings or even the 9-metre ones, but to houses in multiple occupation. There has been a huge growth in the number of houses that have been divided up into bedsits or small flats in my constituency, as there probably has in his north London seat. I have concerns about those, as do other Members, although they are not addressed by this Bill, and I urge the Government to consider that matter as well.
This Bill is long overdue. I hope it will help, but I fear that it does not go far enough, and I urge Ministers to look again at the issue in much more detail and tighten their grip on it. A much more substantial response is needed, both in legislation and in the level of resources available to fire services, as has been mentioned, and to local authorities. Strengthening this response, both in legislation and resources, will be particularly helpful in respect of buildings that have multiple owners, such as blocks with leaseholders, tenants and freeholders, where the fire services, local authorities or contractors face a deeply confusing jigsaw puzzle of ownership. In many cases, it is hard to track people down. In some cases, the owners may be corporations based overseas or there may be other forms of ownership that are difficult to piece together. A more robust approach combining legislation and the funds to support local authorities and fire services would help residents in lower-rise accommodation. Berkshire’s fire service has urged me and MPs from across our county to speak up about the issues found in many towns mainly in lower-rise accommodation, not in the high-rise blocks discussed in the Bill, because of the huge number of those sorts of flats in towns such as Reading, Bracknell and Slough.
I am conscious of time, so I shall turn to new clauses 1 and 2. New clause 1 is particularly important, because, as many people involved in this issue recognise, we face real problems in improving safety in some private blocks. The new clause would speed up what can be a very lengthy process by requiring a manager or a lead figure to share information with the fire service about both fire safety and evacuation plans, which are important matters.
New clause 2 also raises a significant but simple point: fire inspectors should be accredited. I hope the new clause would address a long-standing loophole that I understand was first introduced unwittingly in legislation in the 1980s. It takes years for a fire safety inspector to complete their training, so it seems obvious that they would need accreditation. As has been mentioned by Members from across the House this evening, a common feature of any regulatory system is having people who have a known role of this type accredited.
I hope that tonight’s debate has allowed a further discussion of these issues and allowed us address these points in some detail. I urge the Minister to look at the matters in hand, and I thank you, Madam Deputy Speaker, for the opportunity to speak tonight.
Thank you for calling me to speak on this matter, Madam Deputy Speaker. There is a little more frightening than a raging fire, as it is then that we truly understand the little we are able to do in our human state. We are so thankful for those in the fire service, who use their expertise and training, yet, ultimately, lay their lives on the line every time they answer the call. Others have said it, but I want to put on record my thanks to them for all they do and have done.
The Grenfell tragedy had repercussions for all of the United Kingdom of Great Britain and Northern Ireland, so although it happened on the mainland, and although this legislation is for England and Wales, I wanted to make a brief contribution to ask that the lessons learned are shared with Northern Ireland. When the Grenfell tragedy took place, the Northern Ireland Assembly and the bodies with responsibility for this area right away checked all their high-rise flats to see whether the danger that there was on the mainland was or was not apparent in Northern Ireland. Some steps were taken right away. I know it is a devolved matter, but I wish to mention something at the end that the Minister might take on board, and it relates to what we have learned in Northern Ireland.
This Bill is a devolved matter for Northern Ireland, so my comments will be brief. It is clear that the improvements in this Bill to create greater fire safety must be considered UK-wide. My colleagues in the Northern Ireland Assembly have taken seriously the lessons that we have learned from the absolute tragedy at Grenfell. I take this opportunity once again to remind all the families involved that our thoughts remain with them as they try to rebuild their lives. I do not think there is anybody anywhere in the whole of the United Kingdom of Great Britain and Northern Ireland or further afield who was not touched by what happened, as we watched the tragedy unfold.
I echo other hon. Members’ comments about the danger of electric goods, and in particular about the need to have them checked so that they meet the standards that we have in the United Kingdom, which are some of the highest in the world. The hon. Member for Southend West (Sir David Amess), who represents that great city of Southend, has been an excellent, outstanding spokesperson on this matter, along with our former colleague and friend, Jim Fitzpatrick. I remember him fondly; he, I and the hon. Member for Southend West shared many debates in that other great place, Westminster Hall, on electrical safety and other things. We had some very good and enjoyable times. One thing that was outlined was the opportunity for people to buy online goods that may not meet the standards. I am sure the Minister will say how the Government are addressing those issues for online purchases, which I believe need to be checked.
I welcome the remediation programme, supported by £1.6 billion of Government funding, to remove unsafe cladding from high-rise residential buildings, and the commitment of £20 million of funding to enable fire and rescue services to review or inspect all high-rise multi-occupied residential buildings by the end of 2021, but it is clear that more needs to be done. Right hon. and hon. Members from both sides of the House have said that, and hopefully the Minister will be able to say what other steps the Government are looking at to try to make improvements.
I do not want to be alarmist, but the Northern Ireland Assembly’s inquiries into safety standards raised not just the issue of cladding—the Northern Ireland Housing Executive carried out those risk assessments, because cladding is its responsibility—but concerns about reports that 63% of Northern Ireland Housing Executive wall cavity insulation may be defective. There was some concern that the cavity wall insulation could in some way lead to worse fires and could be a conduit, allowing fires to go through buildings. I do not expect an answer from the Minister today if he has not got one, but I know that he always follows up, and we thank him for that, so perhaps that could be looked at. We are awaiting more information, but that raises a pertinent issue. I believe that it must be absolutely clear in any legislation that it is the building owner’s responsibility to make safe not simply the outside of the walls but the inner cavities. I would appreciate it if the Minister could clarify how that is legislated for in this Bill.
Has the Minister had any discussions with other regions of the United Kingdom of Great Britain and Northern Ireland about a UK-wide approach to this issue? I often say in this House that lessons learned in England and Wales can and must be shared with the devolved Administrations—the Northern Ireland Assembly and the Scottish Parliament. This debate is not about that, but none the less it is important that we share things. We can learn from each other in this great United Kingdom of Great Britain and Northern Ireland. If things are learned in Northern Ireland, they should be shared with the rest of the United Kingdom. If they are learned in England and Wales, they should be shared with us in Northern Ireland, and with Scotland. An improvement can be made UK-wide so that all the people of this great nation of the United Kingdom of Great Britain and Northern Ireland can benefit.