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I was talking about how universal credit does not benefit people who take on extra work. For example, one of our parents was working 16 hours and was receiving universal credit, housing benefit and all the rest of it.
They sell tickets at the doors and provide safe spaces for the vulnerable people who need extra support in their groups. They do all that work to provide that massive sector.
Historically, those were managed in year, but there was some extra provision in both the recent spending review and the recent budget to reflect the reality of what has happened in recent years.
That would result in uncertainty, extra cost and—at worst—injustice for people who might be affected by something dropping off the statute book because people were in a rush to deal with such a massive project.
From NatWest’s perspective, given the extra legal costs associated with workarounds, eliminating the need for workarounds will present lower legal charges for customers.
We got to a level where we had a shared understanding, but it would have been highly detrimental to the overall delivery of the programme had we taken an extra six months after that to continue to refine those costs before agreeing funding.
The problem is that the Department for Environment, Food and Rural Affairs estimates that between 70,000 and 150,000 extra health certificates will be needed to meet that Northern Ireland demand.