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That reinforces our earlier point—if we help borrowers in the earliest stages of arrears by making contact with them when they miss their first monthly payment, we can ensure that they do not follow through to repossession.
All of us, including the newcomers in the short time that we have been in the Parliament, have had contact with people who have been aggrieved by their experiences of the justice system.
Scottish Water will not do that: its job is to sell water and it wants us to buy as much water as possible. There is nothing in the bill about conservation, which means that the Executive is not thinking along those lines either.
However, if we are to tackle the problem, we need sustained, long-term, additional support. Edinburgh's £17 million budget buys around 350 houses a year through new build and refurbishment.
The gross margin on tobacco sales is very low, at 5 or 6 per cent.Tobacco sales generate sales of other goods; people come into stores to buy tobacco and buy newspapers and other products.
Crofters' fields make it difficult for livestock not to have nose-to-nose contact. What provision have you made for crofters to isolate their stock in crofting townships?