Found: DWP) Outcome Delivery Plan, our vision is to improve people’s day to day lives and help them build financial

Found: They are also helping over 23 million people build their financial resilience, holding over £370 billion

Found: Thames Water and the financial resilience of the water industry Sir Adrian Montague CBE, Chair , Alastair

Found: The scheme launched in September 2018 and is intended to promote financial resilience among working

Found: appropriate planning and governance of the high street”58 is of great importance in ensuring structural and financial

Found: The inherent link between the structural and financial resilience of high streets and their climate

Found: While it is not possible to guarantee structural and financial resilience, it is possible to create

Found: Therefore, financial resilience will depend on the level of access to the high street by all members

Found: this were to lead to future prices shocks – for example to energy prices – this would affect the financial

Found: about subjective understanding of the constraints and issues that local government faces and of financial

Question to the Department for Environment, Food and Rural Affairs:

To ask the Secretary of State for Environment, Food and Rural Affairs, whether his Department has undertaken consultations with (a) stakeholders and (b) investors in relation to Operation Timber in the last 12 months.

Answered by Robbie Moore - Parliamentary Under-Secretary (Department for Environment, Food and Rural Affairs)

Fundamentally water companies are commercial entities, and it would be inappropriate to comment further on the specific situation of any individual company.

The Government and Ofwat – the financial regulator for the water sector – are carefully monitoring the situation, and Ofwat continues to engage with Thames Water to support it in improving its financial resilience within the context of its licence and broader statutory obligations.

Question to the HM Treasury:

To ask His Majesty's Government, following the findings of the Financial Conduct Authority survey indicating a decrease in savings and investing among UK adults, what steps they are taking to help individuals and families save and invest.

Answered by Baroness Vere of Norbiton - Parliamentary Secretary (HM Treasury)

The Government is committed to incentivising greater saving and investment, to help hard working people save for their future goals and build greater financial resilience.

The Help to Save scheme was launched in September 2018 and is intended to promote financial resilience among working households on low incomes by supporting them to kickstart a regular, long-term savings habit and build a financial buffer for a rainy day.

Individuals can also save up to £20,000 into an Individual Savings Account (ISA) each year, and any savings income received within an ISA is tax free. This, along with the Personal Savings Allowance of up to £1,000 for basic rate taxpayers means that around 85% of people with savings income pay no tax on that income.

However, the Government also recognises that people need support to make effective investment decisions. This is why the Government and FCA are working on a joint review of the boundary between financial advice and guidance to ensure people can access appropriate support with their financial decision-making.

Found: soundness of English football clubs, mitigate systemic risks with a view to protecting the aggregate financial

Found: • to protect and promote the financial resilience of English football – the “systematic financial

Found: resilience objective and the heritage objective (clause 6).

Found: A series of footballing crises including the collapse of Bury FC, the weak financial resilience exposed

Found: soundness of English football clubs, mitigate systemic risks with a view to protec ting the aggregate financial