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As such, I am keen to continue to hear views from across the Scottish Parliament, including from the committee, as to how we might refine and improve the bill so that we can put in place the best possible legislation. I look forward to discussing those matters with the committee.
I am happy to provide the committee with information on the analysis that we do to ensure that we deliver the budget in the best possible way. For clarity, is there no equality impact assessment of that £27 million cut?
Obviously, part of that will involve sharing best practice and looking at other parts of the country and the rest of the UK to consider different models and the cost benefit aspects.
That reflects a time, however, when banks were very much part of our communities, working to bring services locally and to deliver the best services for their customers.
I have one final question around that process of interaction between money advisers and debtors and creditors, which might best be answered by Cheryl Hynd or Elizabeth McCrossan.
We all recognise the important role that the forum has played in tackling mental ill-health through sharing best practice, encouraging collaboration, raising awareness, informing policy and gathering research.
During my Christmas holidays, I spent most of my time sewing, and I agree with many people who say that second hand is not second best. We need to make clothing to last, keep it for longer and learn to repair it.