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We need to redefine and separate short-term and long-term financial and investment banking institutions, and we need to make the Bank of England responsible for all aspects of inflation.
We have been doing that for the past five years but we have covered only six or seven wards to date. Where resources are available we will do that work, but the process is mainly reactive.
That is true of a small personal loan from a credit union and a mortgage of tens of thousands of pounds from a major bank. The availability of credit is of the greatest importance to people on lower incomes.
The next phase is CPD logs to keep people's qualifications up to date. We are bringing the system more into line with what is happening in the education system.
That scenario is different from the one that you outlined, but I do not think that a lengthy and bureaucratic process will be needed for health boards to modify lists to ensure that they are up to date and accurate at the point at which candidates are invited to stand.
Many people are familiar with the Association of British Travel Agents scheme, which is used in package holiday disputes, or the National House Building Council scheme for disputes involving new houses.
We work exclusively from adverse intelligence that we receive about, say, the withholding of wages or holiday pay. Indeed, with regard to holiday pay, the fact is that millions of pounds are being withheld from workers.
For example, the UN human rights convention includes a right to paid holidays. It is hard to believe that the right to a paid holiday is an absolute and inalienable moral right, just as it is difficult to see that the right to respite care is a moral right.