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Chamber and committees

Finance Committee

Meeting date: Tuesday, October 5, 2010


Contents


Preventative Spending Inquiry

The Convener

Item 2 is an evidence-taking session in our preventative spending inquiry. The theme of the session is housing. I welcome to the committee Yvette Burgess, the director of the housing support enabling unit; David Ogilvie, policy and strategy manager at the Scottish Federation of Housing Associations; and Jim Elder-Woodward, the convener of the independent living in Scotland project.

Our witnesses have provided us with submissions containing examples of preventative spending in relation to housing. Given current levels of public spending on housing, do the witnesses consider that there is scope for even more to be done? If so, what?

Yvette Burgess (Housing Support Enabling Unit)

My interest is in housing support and the support that can help a great deal in terms of tenancy sustainment and ways of moving on from homelessness, as well as longer-term support for groups such as older people in sheltered housing.

The housing support sector has been facing reduced spending over the past few years, certainly since the supporting people ring fence was lifted. From the information that the enabling unit has gathered from service providers, it seems that many have been facing standstill funding or reduced funding and have been having to find ways of maintaining service volume. If we are thinking about increasing spending, housing support would be an obvious area to look to.

David Ogilvie (Scottish Federation of Housing Associations)

I echo those views about the importance of housing support. I should declare an interest, as I am the SFHA representative on the board of the housing support enabling unit.

As the committee will appreciate, given the parameters of the submission, we could have ended up with quite a substantial tome if we had covered all of the issues relating to preventative spending and housing, so we decided to focus on three areas: housing support, adaptations and the wider role programme.

Last week, we had a wider role programme reception in Parliament to celebrate the achievements of housing associations and co-operatives across the country that have done immensely good work in community regeneration as a result of what is quite a small pot of funding—£8 million in the first year, £10 million in the second year and £8 million in the current year. The additionality that they have achieved as a result of levering in additional finance has been considerable, but the social and cultural impact of many of the projects has been fantastic and has been essential to underpinning good will and the wellbeing of communities.

We need to focus more attention on the ways in which housing associations can use their innate skills to grow some social enterprises as well.

Jim Elder-Woodward (Independent Living in Scotland Project)

Our submission focused on independent living, which is a much wider perspective than housing, but includes housing issues. The key message that I would like to get across this afternoon is about the principle of giving choice and control to disabled people. Choice and control are universal—everyone needs more choice and control over their lives. That requires opportunities—you cannot have choice without opportunities—but disabled people have few opportunities to exercise choice in the housing market.

We have found that a lot of people cannot find housing after an accident. We have a case in Falkirk of a young man with spinal cord injuries who languished in a generic medical ward for over a year because Falkirk Council could not find him a house. Joint working between departments is needed. It does not cost any money but helps to deliver the rights of disabled people.

In another case, a lady in Glasgow wrote to Baroness Wilkins in the House of Lords to say that she felt like a prisoner in her own home because she needed a wheelchair and a ramp at her front door and the only assistance she could get was two hours of home help a day. The provision of a ramp and a wheelchair would have required two discrete, one-off items of expenditure, yet she was given two hours of home help a day, which was a continual drain on social work resources and did not meet her needs.

There needs to be a more global look at how we provide services. We need to break down silos between housing and social work, housing and health and health and social work. Those barriers need to come down so that disabled people can express their needs within local housing strategies. We in the independent living in Scotland project have two co-production pilots in which disabled people sit down with local housing officers to develop local housing strategies. One pilot is in North Lanarkshire and the other is in Ayr and Argyll. In those pilots, disabled people can tell local authorities directly what is needed in their local authority area.

We need more co-production and fewer bureaucratic barriers.

The Convener

You have brought home to us the benefits of proper action in this matter.

After that exposition of the massive benefits to individuals that are involved, I hesitate to ask this question, but it concerns something that is bothering me. Why are benefits that result from housing support in England so much greater than the results that are obtained in Scotland? The Scottish benefits of £441 million, compared to a cost of £402 million, represent a 10 per cent return, but the English benefits of £3.41 billion from a cost of £1.6 billion represent a 100 per cent return. Can you explain why that is so? What do we need to do in order to improve?

14:30

Yvette Burgess

Two different exercises were conducted, and the models that were used in each country differed. If the same model had been used in Scotland, the benefits would have been £907 million as opposed to £441 million. That would have meant a return of 206 per cent as opposed to one of 10 per cent. In England, there were more robust data about the number of older people in very sheltered housing who were using supporting people services. In Scotland, we had a different set of information and we were using a different model.

That is very helpful for our search for accuracy.

Linda Fabiani

We seem to have been talking for a long time about a lack of good information. To take an example concerning housing for people with disabilities, I remember being astounded on one occasion—at least 20 years ago—that there was not a local authority in the country that had a list of people with additional housing requirements. The base of information was very low then. Has it got any better across the various categories of people in housing need?

David Ogilvie

From a local housing strategy perspective, I am aware of some big issues around identifying the housing and support requirements of people with particular needs. Some years ago, I worked with East Lothian Council on a community care housing needs profiling exercise—one of two such exercises that took place at the start of the local housing strategy round, back in 2003.

A pretty useful matrix was developed when the supporting people programme was introduced, including monitoring and identifying housing support needs in the community, but that disappeared along with the ring fencing. That was one of the casualties, so to speak, of the concordat. After it came in, there was no compulsion on local authorities—to the best of my knowledge—to do that work. It was down to individual decisions as to whether to follow it through.

Our submission in response to the consultation on wider planning for an ageing population said that the problem needs to be addressed. We are happy to work in partnership with local authorities to help with that. It is not good enough that there is a lack of good information.

Linda Fabiani

I cannot understand why a local authority would not think that there should be a compulsion for it to know the people in its area who have needs of various kinds. I am still stunned to discover that that is not apparent. How can we talk about preventative measures without the baseline information that allows us to work out what they should be—let alone measure the success of any initiatives?

Jim Elder-Woodward

I cannot talk about the global theme, but I can tell you about what is happening in Glasgow. The Glasgow Centre for Inclusive Living is run by disabled people, and I am its chairperson. We have a housing project that is funded by the Scottish Government and the European Union. The housing programme keeps a record of all the adapted housing in Glasgow. It also keeps a record of disabled people who are looking for housing. Our service helps disabled people to identify their needs clearly so that, using our computers, we can match their needs to what is available.

I do not know how many housing associations there are in Glasgow, but there are quite a number of them. They feed us their information, and we try to match that information with the needs that come up. We are unique in Glasgow—the centre for integrated living that was based in Edinburgh, the first such centre, fell by the wayside, because the local authorities in the Lothians would not fund it. The services that such centres provide are viewed by local authorities as peripheral services, rather than preventative services, yet we are preventing the build-up of a lot of need.

Getting housing authorities not to tear out the adaptations that they have already put in is another problem. If a disabled person cannot be found to fill a vacancy, the authorities will tear out £5,000 or £10,000-worth of adaptations and put an able-bodied person in, rather than going out to look for another disabled person. We help the housing associations in Glasgow to find a disabled person who needs accommodation where such adaptations are in place. We are saving the housing authorities millions of pounds every year—yet our funding situation is very dodgy, because we are in the third sector. Local authorities, because of the financial restraints, tend to withdraw funding from the third sector before looking at their own services.

Joe FitzPatrick

I think that it was Yvette Burgess who said earlier that, if it was possible to increase spending, this would be an area where you would want to do so. We are now going into a period where overall spending is reducing. Do the three of you have any ideas of areas within the housing sector in which money is being wasted? Are there activities that should be stopped and their funds more usefully diverted into housing support, for instance, so that we could get a much bigger bang for our buck? Although some things might have been nice in the days when we had lots of money, now that funding is tighter perhaps we should just stop doing them.

Who would like to answer that?

David Ogilvie

Nobody likes that question. Are there areas where we are wasting money? The efficiency drive that is now upon us is something that housing associations and co-operatives have been trying to embed into their culture over recent years, and everyone has been under increasing pressure as a result of changes to the overall structure of the housing association sector. People are starting to merge, form group structures or whatever in order to deliver efficiencies.

I am more intrigued by the idea that, with the overall pot of funding that is available to us shrinking, housing should face that challenge alone. Without wishing to point the finger—but I will point the finger—I am greatly concerned when I hear rumours that the national health service budget will potentially be ring fenced, and I say that purely because so much of the work that we need to do to meet the demographic change that our society faces over the coming 30 years will be absolutely dependent on co-operation between all housing, social care and health care partners. People could go off into a huddle and say “No, that is our money”, but I would like to see NHS primary care trust chiefs round the table with local housing strategy partners and with housing association developers to say, “Let’s see how we can pool funds and come up with holistic solutions.” It is hard for me to point the finger and say, “There is waste over there.”

Jim Elder-Woodward

I will not be popular, but I think that one of the issues about financial waste is that home care and housing support are two powerful services. You are funding two powerful services. If you want to cut costs, you need to amalgamate them into one service. Having two powerful services is not cost effective. I would advocate moving housing support and social care into one basket.

I also think that if you are to stop waste, you should stop taking adaptations out of houses, because that is a waste of money. If you want to save money, you should build more houses with wider doors and more accessible rooms. Build houses for life, not because they are more economic. My wife and I are both in wheelchairs. Twenty-five years ago, when we were getting married and were looking for a house for ourselves, we went round Wimpey and Bovis houses. You could not swing a cat, never mind move a wheelchair. We bought an 1898 coach house that had an open-plan ground floor and we are now living quite comfortably in an open-plan house, with no doors and no narrow corridors; it is fully accessible. We had to go back to 1898 to get a suitable house. We should build for life.

David Whitton

That brings me to the question that I wanted to ask Mr Ogilvie anyway. When housing associations are planning developments and so on, how much attention is paid to the fact that a certain percentage of the houses should be adaptable for disabled use?

David Ogilvie

As I understand it, all housing associations are working towards housing for varying needs standards, so in fact—

I am sorry to interrupt you, but the key two words in your response were “working towards”. That indicates that they are not doing it yet.

David Ogilvie

I am hedging my bets because I do not have the statistics with me—I will look into the statistics and come back to you. I will go all the way then. As I understand it, they are expected to do so. I will check exactly to what level they are doing that. I would expect there to be full compliance with that, but I am mindful of my environment, so I want to double-check my facts.

David Whitton

We are looking at preventative spending, and all the evidence that we have from you is that investing in this type of housing keeps people out of hospital and care homes, so it is obviously a cheaper and more cost-effective option. I would have thought that, if you believe what you say in your evidence, in all the plans a certain percentage of housing stock should be disabled compliant.

David Ogilvie

I believe that that is the case. It is built into the affordable housing investment programme that each local authority will identify how much affordable, accessible housing they need and that percentage is brought forward under the affordable housing policies.

14:45

David Whitton

The point is not just about disability, of course—old age brings its own issues. I have helped a number of my constituents to have special adaptations put into their houses, which Mr Elder-Woodward referred to. However, as he pointed out, if they pass away, the equipment is then ripped out of the house and it is returned to its previous state. He said that his organisation keeps a list of houses to which adaptations have been made and then, if one becomes vacant, the organisation tries to match somebody to that house. That is in Glasgow, I think. Is that how it works?

Jim Elder-Woodward

That is how we tend to work. We have very good co-operation from all housing associations and Glasgow City Council to ensure that the data that we keep are up to date, because the data are only as good as what is put into the computer.

David Whitton

One lady in my constituency moved into a house that was specially adapted for her needs after she had become homeless. Then she moved to another house, which also had to be specially adapted, so there was a double hit on the council for the adaptations with which she had to be provided. However, that was her choice. I do not know but, in some ways, is there a responsibility on a disabled person, once they have had adaptations made, to stay where they are?

Jim Elder-Woodward

My understanding is that people can have only a certain amount of money per year. I do not know the figure, but I have a feeling that it is about £25,000. People can gain access to only that amount. I would not want to deny that lady her freedom of movement, and I hope that you would not want to do that. The fact that she moved into a non-adapted house indicates to me that we need more adapted houses to meet demand.

I also want to ask about the pilots in North Lanarkshire and Ayrshire.

Jim Elder-Woodward

It is North Lanarkshire and Argyll.

Sorry. In those pilots, disabled people are having a big say in what is happening with the housing stock. How is that working?

Jim Elder-Woodward

The work began just last month. I was talking to the researcher only yesterday. The Scottish Government has asked a company called Anna Evans Housing Consultancy to evaluate the projects. We are just beginning and we have to finish before March, because the local authorities have to submit their local housing strategies by March. So it is a very tight timescale. There are problems, which I do not want to go into at the moment, but we are hopeful that the outcome will be much better than the previous local housing strategies. One of the aspects of the research is to do a comparative study with the previous local housing strategy to find out what changes have been made. We are at the beginning.

David Whitton

I have a point for Ms Burgess. I guess that most councils’ adaptation budgets are a bit of a moveable feast. In my area, that seems to be the budget that goes most quickly. However, it follows from the evidence that we have heard about spending more to keep people in their own homes that housing adaptation budgets should rise in comparison with other budget lines in the housing sector.

Yvette Burgess

I am not an expert on housing adaptation budgets, but housing support can be effective in helping people to work out what adaptations might be needed and how they should obtain them.

How much of a crossover exists between home care and health care, to which Mr Elder-Woodward referred? An occupational therapist might have a different view on what a suitable adaptation is from somebody from the council.

Yvette Burgess

In relation to what their budgets should be used for?

Yes.

Yvette Burgess

I can imagine that discussions could take place about that.

Do you see merit in the two services getting together?

Yvette Burgess

If I recall correctly, Mr Elder-Woodward pointed out that care at home and housing support seem to collide and work with the same individuals in some circumstances. When that happens, room exists for rationalising services. Now that the ring fence has been lifted from housing support—the supporting people funding—the criteria for housing support are no longer as rigid as they were. That means that it is perfectly possible to use a single pot of money—the local authority’s budget—to fund a service that incorporates care at home and housing support.

Many other services focus simply on housing support, such as sheltered housing. What is often called low-level support helps people to maintain independence in their later years. Just today, I read impressive figures from a housing association that surveyed 1,000 tenants. Of them, 64 per cent said that their physical health had improved since moving into sheltered housing and 72 per cent said that their independence was being maintained longer than it would have been if they had stayed where they were before. Housing support at that fairly low level in sheltered housing can play an important role in the preventative agenda.

Several local authorities provide sheltered housing or housing that is designed for pensioners. Should such accommodation be taken out of the right to buy?

David Ogilvie

Yes—absolutely.

That has not been done in my area.

Jeremy Purvis (Tweeddale, Ettrick and Lauderdale) (LD)

I was very interested in the reference in Yvette Burgess’s submission to the Department of Health’s key questions for decision makers in relation to preventative health measures, which apply in England and Wales. Has the NHS in Scotland or the Scottish Government done equivalent or parallel work to ask similar questions?

Yvette Burgess

I was not aware of such work when I did research for the submission. The document to which I referred was written up fairly recently, so people are focusing on it.

Jeremy Purvis

We can consider that in more detail.

I will take a step up. Forgive me for asking about bureaucracy and how budgets are put together, but David Ogilvie made the point that, when people are around the table, agencies are on the same page in making budget decisions, setting budgets or setting priorities. Would it make sense to have a combined budget and process for social work and health? Is the issue partly structural, because housing and social work issues are often separate from what a health board deals with?

David Ogilvie

I would be reluctant to say “yes” whole-heartedly. We have varying reports from our members nationwide about the degree to which they are engaged successfully in the community planning process, which, as you will be aware, is very much driven by local authorities and their national health service partners. If housing partners are not at the table, they will not be able to deliver the new forms of housing for older people, for example, if they are looking for health funding to make it work. If they are not at the CPP table, that will not take off. We have had anecdotal evidence that that is the case.

Without taking a swipe at local authorities, the CPP process is very complicated, because there are so many partners with which to engage. Perhaps there is a bit of a selling job to be done. Some housing associations are better than others at putting themselves forward. The SFHA will continue to support those who have issues with the process. When the concordat, the CPP process and the new national performance framework emerged three years ago, it all happened at such a cracking pace that it caught a lot of people unawares. Those processes have now been set in stone. We are now in a situation where we would like to get to the table, but we cannot. We are now, in effect, locked out.

Jeremy Purvis

When I was elected seven and a half years ago, I had a briefing from the health board on joint futures, which was the big idea of having aligned budgets and moving towards joint budgets. I know of cases in which a council occupational therapist and a health board occupational therapist delivered services at different times to the same household and often to the same constituent but, because of the different budgetary years, could not align their budgets. We still have that situation in effect. We are talking about making a step change in approach towards preventative spend, but we might be here in another few years having the same kind of discussions about the local government agenda, whether or not it has a different relationship with the Government and whether or not there are single outcome agreements or a successor to them.

Yvette Burgess

I think that that is right. In housing support, the cost benefits are often in the use of health care services, particularly emergency beds. In a period when public finances are so stretched, the fear is that local authorities will be forced back to looking after their statutory duties, which might mean that they cannot focus on funding the things that would lead to savings in the health service. For that reason, aligning budgets would make a lot of sense.

Jeremy Purvis

The committee has heard interesting evidence from other organisations about different ways of delivering budgets. That might involve direct payments—I do not know whether there is any feedback on how they are going. Rightly or wrongly, the council in my area has been looking at transforming older people’s services. The health board was not part of that decision-making process; it was simply consulted. That emphasises the point that David Ogilvie made. We have looked at areas where funding might be provided direct to individuals, so that they can choose how they purchase or commission services, or to representative bodies, community care forums or other consortia of voluntary bodies. Would that help you in thinking about the future of preventative care, because there would be much more focus on the user? Alternatively—I guess that there is a perverse element—might they just want more and more money? Is anyone considering that?

15:00

Jim Elder-Woodward

The personalisation policy that you have been alluding to is taking off more in England than in Scotland. The personalisation policy is that a person has what is called an individual budget, which comprises social care, health care adaptations and independent living fund money all in one pot. It is up to individuals themselves, with advice from the council and others, to decide how to spend that money.

Two things have occurred. One is that the outcomes are more adventurous, in that people have been able to do more with the money than would have been done previously. Secondly, disabled persons have been found to be participating more in community life and the labour market. They have been able to get jobs and go out or join voluntary groups and participate in the community that way.

The personalisation agenda has some merit, but the problem is how the amount of money that people receive is determined. How much they receive depends on the number of points they accrue—with more points they get more money. It is the assessment of how people get the points and the amount of money that is allocated to each point that is the problem. For example, I could have 25 points; in one local authority, where each point counted for £10, I would have £250, but another authority might allocate only £7.50 a point so, for the same number of points, I would get about £180. The need would be the same, but the amount of money that I would get would differ. That is called a resource allocation system, and there is no unity or commonality among those allocation systems. That is one problem that we found down in England. We need what we have called a standardised RAS.

I am sorry—that was very technical. I hope that you followed.

I did. You give the impression that the fact that the process is preventative is almost a positive by-product because it is focused on what the individual needs. People can make the decision that is in their best interest.

Jim Elder-Woodward

People are able to choose items and provisions that are not commonly available. For example, they are able to buy a fan to reduce the heat in the house. Our home care service people would not be able to buy a fan for someone, but they would have to attend to the outcome of the individual’s sweating. Those new ways of meeting needs are more available under a personalised agenda than they are under a ring-fenced-budget approach. I hope that that is clear. I am not very good at explaining the RAS. Actually, nobody knows what it is.

David Whitton

In paragraph 7.7 of your submission, you state:

“one Scottish local authority acted on what their clients with learning difficulties were telling them”.

The local authority switched them from going to day centres to employment, but you do not tell us which local authority it was. Which one was it?

Jim Elder-Woodward

It was North Lanarkshire.

Linda Fabiani

There are potentially two elements of preventative spending under the subject of housing. The first is to do with infrastructure. It is about the benefit of housing—the house itself—and the ways in which that is preventative, be that in the design of the house, its size, the fact that it is barrier free, or the whole-life approach that we have spoken about. Personally, I believe that good design goes a long way towards increasing wellbeing, so spending on it is therefore preventative spending.

Preventative spending on housing also has potential for everyone, whether it be the child who has a good environment in which to do their homework, or whether it is because there are good insulation standards. I would like to hear views from the housing people on why preventative spend is valid in relation to housing—in relation to the building of housing and the creating of the places where people live.

David Ogilvie

One of the bold targets that the Scottish Government and indeed the Scottish Parliament have set out since 1999 is the 2012 homelessness target. The Parliament can justly be proud of that target. However, in terms of preventative spending, there are grave concerns that, if we make the wrong cuts, we will not meet that target. The SFHA strongly advocates investing in housing and increasing housing supply, not least because it helps to meet housing need across the board, whether it be what we call general housing need or specialist housing need, but also because, in that process, there are opportunities to create jobs.

There are opportunities to underpin the construction industry, which we all know has had a pretty torrid time over the past three to five years. There are also opportunities to engage local communities in taking control of their own destinies through community regeneration activities. There are opportunities to meet the 2016 fuel poverty target through investing in the retrofit of existing stock, in renewable energy and in microrenewables. There are other things that we can do such as providing employability skills and training to people who are socially excluded. Every time we put a house on the ground, those opportunities present themselves as long as other funding streams such as the wider role fund remain available. We have a great amount of things that we need to protect, which is why we are so strong on preventative spending.

Yvette Burgess

It is important that a range of housing types is available to people—particularly people who have support needs. Thinking about one of the examples that I have been able to call on, I am greatly indebted to Jane, who allowed us to share her experiences. We know that supported accommodation plays an important part in helping people to move through unsettled periods of their lives. When it comes to housing, it is not just about providing self-contained accommodation; we need to have supported accommodation where there is scope for people to provide support. It is also important that we have smaller units of accommodation to allow individuals to develop the independent living skills that they have not previously had a chance to develop.

Jim Elder-Woodward

I think that it is important that we build for life because that will allow people to move into independence more easily. I am working with Capability Scotland on its efforts to move people out of long-term care back into the community. One of the major problems is finding suitable housing for such people. Fortunately, we have come across a local housing association that might be able to help, but that is after years and years of talking to local authorities that promised to find housing for such people in Renfrew. If there were more such housing, that would allow greater freedom of movement for disabled people and would allow them to remain in the community for much longer than they do nowadays.

Linda Fabiani

I want to come on to the other element of potential preventative spend. If we are saying that, in the longer term, decent housing has knock-on benefits for everyone who has a need for shelter, including educational and health benefits, we need to address the lack of joined-up working, which has come up with other panels that we have spoken to about preventative spend. I think that it was Mr Elder-Woodward who mentioned bureaucracy. We seem to have a bureaucratic system in which everyone is in their own silo and where there is a great reluctance to be innovative in thinking about what is best and how all public funding can be used most cost effectively and most effectively for the wellbeing of the person.

The clerks provided us with a helpful example. A health authority in England paid for a local authority to grit the roads because it had the on-going effect that the health service did not have to deal with the same number of fractures and injuries. That is a small example of joined-up thinking. Could I have your views on what is required? I am thinking beyond the community planning partnerships, which we all know have become bogged down in their own bureaucracy. What is required? If you could give advice to the public authorities, what would be the one thing that you would say that we could do to give people quality of life in their own home?

Who would wish to answer that?

Go on, Yvette.

Could I maybe alter the question slightly?

No.

Jim Elder-Woodward

I will go first. I do not think that it is as simple as doing one thing, but I think that we ought to encourage bureaucrats to realise that the money that they manage belongs not to them but to the people. We want them to get the message, “It’s not my budget, it’s the people’s budget.”

Linda Fabiani

That is the kind of response that I was looking for. As Mr Elder-Woodward said, there does not seem to be a recognition that public funding is for the benefit of the public. There is a responsibility on everyone who uses public funds to ensure that they are used to the best advantage of the public, whether collectively or individually.

Can we hear from David now, convener? He has had time to think.

15:15

David Ogilvie

I was struck by the sheer magnitude of the question—I thought, “Woah!”

You asked about improving quality of life and you mentioned the issue with community planning partnerships, which is one of the biggest bugbears that come up in conversation with our members. Time after time, that is a big thing. If housing associations are to be serious players—it is right that they should be—from the point of view not just of building houses in our communities but of delivering jobs, wellbeing and educational opportunities, and perhaps also making savings in justice budgets by tackling deeply rooted social injustice across Scotland, partnership work is key. Maybe there is a selling job for housing associations to do.

We need to look at changing the culture of local government in Scotland—that is key. I say that as a former local government employee. Moving from one side to the other, I think that the change in working culture is quite clear—you can feel it. There is a clear difference between the culture in a local authority and the culture in a housing association. The housing association or co-operative has its roots in the community and is directed by the interests of the community much more directly than local authorities sometimes are, because of their sheer scale. Part of the answer might involve devolving power to communities and giving them the resources to direct their own destinies.

The Convener

I will draw this section of the meeting to a close, as the witnesses have nothing further to add. Thank you very much for your presence and for the evidence that you have given us, which will be extremely helpful to us.

I suspend the meeting briefly to allow the witnesses to change over.

15:17 Meeting suspended.

15:20 On resuming—