26 Lord Lea of Crondall debates involving the Department for International Development

Tue 5th Mar 2019
Mon 4th Feb 2019
Trade Bill
Lords Chamber

Committee: 4th sitting (Hansard): House of Lords
Wed 19th Dec 2018

Covid-19: International Response

Lord Lea of Crondall Excerpts
Monday 18th May 2020

(3 years, 11 months ago)

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Lord Lea of Crondall Portrait Lord Lea of Crondall (Non-Afl)
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My Lords, John Maynard Keynes is known properly for deficit financing as a way to deal with unemployment, but his main claim to fame in 1944-45 at Bretton Woods was for the global institutions, particularly the financial ones, tying into the UN system of organisations, and, underlying that, co-operation around the world rather than nationalism.

At lunchtime today, I participated in a seminar run in conjunction with the All-Party Group for Africa, which I helped to found. What is striking is how far nearly all the African countries, despite issues of governance and silent voices from Beijing, are all part of strong north-south arrangements across the Mediterranean, which are absolutely necessary. The EU heads of mission in each African country—I have been watching quite a few of them—meet on a regular basis to ensure maximum co-ordination among the donors and the recipients. It would be highly counter- productive if there was a score of different European lines of advice to one or two people in Burundi, who are the only people who can run the administration. That goes right across from Benin, to Gabon and so on.

Britain often takes the chair at these meetings. I was chair of the All-Party Group for Madagascar. Right across, we are the leading member. Britain versus Europe is a ridiculous, scandalous misrepresentation. Some of us will do our damnedest to limit that disaster and try to reverse it. So I was quite taken aback today when Mr Duddridge, the Minister, proclaimed that the EU does not need to play a big role in Africa and that the loss of the UK from the weekly meetings et cetera is almost a step forward rather than a step back.

Finally, it is not a correct binary to think of economic growth versus reduction of health risks. They largely go together.

Sir Richard Henriques Report

Lord Lea of Crondall Excerpts
Tuesday 8th October 2019

(4 years, 6 months ago)

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Baroness Williams of Trafford Portrait Baroness Williams of Trafford
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My noble friend reminds me of how the influence of public figures can influence the progress of an investigation. The decisions that Tom Watson makes about his future will be a matter for him, but it is very important that in the future the police are allowed to get on and do their job without external influence, particularly from people who are quite influential themselves.

Lord Lea of Crondall Portrait Lord Lea of Crondall (Lab)
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My Lords, I have mentioned to my neighbour in Crondall, Lord Bramall, the satisfaction that many must feel at the robust nature of the final report of Sir Richard Henriques. I have also made a point—and perhaps the Minister will comment on this—about the sniping about Cressida Dick, who is good news as the recently appointed Commissioner of the Metropolitan Police. Further to the question asked by the Member from the Liberal Democrat party, she should not take the rap for the dreadful mistakes made in this matter by the Metropolitan Police.

Baroness Williams of Trafford Portrait Baroness Williams of Trafford
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My Lords, in terms of taking the rap, the Henriques report makes it clear where accountability or failings have lain. It is a matter for the Metropolitan Police to hold the commissioner to account.

Sahel: Climate Change

Lord Lea of Crondall Excerpts
Wednesday 24th July 2019

(4 years, 9 months ago)

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Baroness Sugg Portrait Baroness Sugg
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I agree with the noble Lord. As herders, fishing communities and farmers compete over the dwindling fertile lands, we are, sadly, seeing more intercommunal clashes. We need to address that if we are to achieve peace. As I said, 80% of people are dependent on pastoral and subsistent agriculture, so we are looking carefully at how we can support people to thrive in a region that is so affected by climate change and using our expertise in the UK in technology and scientific innovations, such as early warning systems for shocks. If we are to see an end to conflict we need to ensure that we address the issues of climate change.

Lord Lea of Crondall Portrait Lord Lea of Crondall (Lab)
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My Lords, there are two aspects to the human impact on climate change. One is the impact per head mainly in the industrial countries and the other is the number of people. I think that the biggest growth rate in Africa is in Niger, where I was, at 7% per annum, doubling in 10 years. How can the Government make more impact, given the imperialism argument and given that we cannot solve the climate change problem unless we decelerate the rate of population growth in sub-Saharan Africa in particular?

Baroness Sugg Portrait Baroness Sugg
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The Sahel has one of the fastest growing populations in the world, with some of the world’s highest fertility rates. The combined populations of the G5 nations will nearly treble from 71 million today to more than 200 million by 2100. On average, a woman in Niger has a birth rate of 7.4 children and fewer than one in 10 couples uses modern contraception. We are rolling out the women’s integrated sexual health programme, WISH, which will operate in parts of the Sahel to improve access to modern family planning methods and create more choices for women in Africa on how many children they have and when they have them.

World Food Programme

Lord Lea of Crondall Excerpts
Thursday 27th June 2019

(4 years, 10 months ago)

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Lord Lea of Crondall Portrait Lord Lea of Crondall (Lab)
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My Lords, the key arterial road for the biggest area of population density in Yemen is the Hodeidah to Sanaa road. Would it be useful if the Government produced a note on specifically how food distribution interacts with the ceasefire talks? Is this not a special feature that could be identified to find a solution to the wider problem—if there was an agreement on how the food can be delivered along that road?

Baroness Sugg Portrait Baroness Sugg
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The noble Lord is right to point out the importance of both Hodeidah and Salif ports in allowing the onward supply of aid. The impact of violence around Hodeidah on commercial and humanitarian access is one of the main reasons the UN is warning of the growing risk of further food insecurity in Yemen. There can be no return to military operations in Hodeidah. Any renewed military push would be catastrophic for Yemen, potentially pushing millions towards famine. I am happy to write to the noble Lord with further information on how aid is distributed.

Freedom of Movement

Lord Lea of Crondall Excerpts
Wednesday 8th May 2019

(4 years, 12 months ago)

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Asked by
Lord Lea of Crondall Portrait Lord Lea of Crondall
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To ask Her Majesty’s Government whether they will produce a comprehensive list of (1) the type of, and (2) the reasons for, movement between the United Kingdom and the European Economic Area countries under Freedom of Movement and related provisions, as defined by the Treaty on the European Union, the Treaty on the Functioning of the European Union and the Charter of Fundamental Rights of the European Union.

Baroness Williams of Trafford Portrait The Minister of State, Home Office (Baroness Williams of Trafford) (Con)
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My Lords, information on the different types of free movement rights available within the European Economic Area can be found on the European Commission website. The Office for National Statistics already publishes information on the reasons for migration to the UK by EEA nationals in its quarterly report on long-term international migration statistics.

Lord Lea of Crondall Portrait Lord Lea of Crondall (Lab)
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I thank the Minister for her reply. However, even taken together, all the documentation does not give us the big picture when it comes to the mobility impact of Brexit, depending of course on how much will be left of our participation in the internal market—some of it or none of it. Right across the international services sector, significant numbers of firms are now considering moving lock, stock and barrel to places such as Amsterdam. Will Her Majesty’s Government urgently produce a Green Paper by the end of this month on the options, with some range of likely impacts and the numbers likely to be involved, getting practical feedback from the industry sector and umbrella bodies such as the TUC and the CBI?

Baroness Williams of Trafford Portrait Baroness Williams of Trafford
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My Lords, in any scenario—deal or no deal—there will be a transitional period until the end of 2020 to give businesses time to adjust. In a deal scenario, free movement will continue during the implementation period, but in a no-deal scenario, the Government’s European temporary leave to remain scheme will enable EU workers to continue to come to the UK visa-free for three years. On the question of the Green Paper, in December last year, the Government published a White Paper setting out our proposals for the UK’s future skills-based immigration system after our exit from the EU, taking as a starting point the MAC’s recommendations.

UK Convergence Programme

Lord Lea of Crondall Excerpts
Tuesday 9th April 2019

(5 years ago)

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Baroness McIntosh of Pickering Portrait Baroness McIntosh of Pickering (Con)
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My Lords, I want to make a comment and ask a question of my noble friend. The comment—actually, I suppose it too is a question—is: is it not ironic that Britain never wished to join the single currency, yet we are probably the closest aligned to the Maastricht criteria that were set in 1992?

My question for my noble friend is as follows. The Government have been fined substantial sums of money over the years for late payments of the single farm payment and countryside stewardship schemes under the common agricultural policy. Only yesterday, the Rural Payments Agency announced that it is going to make bridging payments for the 2018 basic payment scheme claims and the countryside stewardship claims for 2018 advance payments. As we leave the EU and presumably will no longer face fines for late payments of farm support—in so far as they will continue to exist—what will the mechanism be, if Defra fails to ensure that the RPA makes the payments on time, to ensure that the payments are made in as timely a fashion as possible?

Lord Lea of Crondall Portrait Lord Lea of Crondall (Lab)
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My Lords, as we look forward, it is increasingly difficult to match our view of the future macro economy with the micro economy. I would like to relate this to freedom of movement. Either it is true that a lot of the economy of the south-east is heavily involved in freedom of movement in Europe or it is not. In so far as it is true, everyone is holding their breath at the moment.

I shall give three or four examples of what happens at the moment. A fitter from Barnsley can work freely in Antwerp. A doctor from Guildford is able to work in Paris, her medical qualifications being automatically recognised. Estonian software coders can work in London. Retired teachers from Bromsgrove are able to live in Brittany and receive a pension. An oil engineer from Bergen can establish a business in Aberdeen. Lorry drivers from Wigan can deliver goods across the continent without the need for international driving permits. Injured in Malta, a holidaymaker from Belfast will have their hospital treatment covered by the NHS. Lastly—a subject close to the heart of the noble Baroness, Lady Bull—a violinist from London or Leipzig can catch a plane at short notice and work in either the next day.

I find it very difficult to know about the next few months, as we postpone the final decision and think about how freedom-of-movement issues relate to the other agenda. This is a problem of uncertainty. I ask the Minister to flag up the fact that we really need to have a cockshy at some of the key questions that have yet to be decided under the heading of freedom of movement. We know something about the social chapter of the Maastricht treaty and workers’ rights. We even know something about the way in which we can redistribute the macro picture from London to Lancashire, as it were—where I come from originally—so that savings on the EU budget might be redistributed more towards the Midlands, the north of England and so on.

I find it important to get some micro, as well as macro, thinking into these sorts of exercises in the Treasury. Otherwise, we might find that people are working on divergent assumptions about how this freedom of movement thing will work out. I cannot believe what some people in my own party say. It is not the leader’s policy, but there are some people who think we can just wave a magic wand and all the examples I have given will disappear and there will be no problem. Surely that cannot be the case. I think every cup of coffee I drink in London is served by somebody from Estonia. All of this relates to the economy. Will the Minister flag up how we will deal with this, as well as looking at the customs union and so on? That is very important, but it is not the only card game in town.

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Lord Bates Portrait Lord Bates
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Noble Lords have asked some very specific questions. I will follow the injunction of the noble Lord, Lord Davies, and seek to address them as best I can. If my noble friend Lady McIntosh and the noble Lord, Lord Vaux, would allow me the courtesy of writing to them in more detail on their specific points, I will certainly do so. I accept what the noble Lord, Lord Davies, said: we can all agree that we are not in normal times. My noble friend Lord Gadhia made an insightful point when he talked about the difference between what is happening in the political realm—which is not normal—and in the economic realm, which is really remarkable given the headwinds and uncertainty which the economy is facing at present. That confirms the great strength of our entrepreneurial businesses and enterprises and the incredible work that the people in them are doing. This gives us real hope for the future.

I was invited to address the Brexit issue head on; a convergence debate about the European Union seems a pretty good place to do that but I do not want to spend too much time on this. From the Government’s point of view, it is clear: if we had had our way, the withdrawal agreement would have been agreed by Parliament in December. We would now be into an implementation period where lots of the issues about free movement, to which the noble Lord, Lord Lea, referred, would have been addressed. We would also be working our way through into a deep and meaningful—

Lord Lea of Crondall Portrait Lord Lea of Crondall
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The Minister makes a very interesting point. He is confirming that everything is to play for in the discussion in the coming months about the future relationship. By that I mean that nothing is ruled in and nothing is ruled out on all these matters concerning freedom of movement, et cetera. A lot of people are getting concerned that the Government may have lost the plot.

Lord Bates Portrait Lord Bates
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The accusation was made that the Government were somehow not addressing the issue of Brexit. Responding on behalf of the Government—which I am entitled to do—we believe we have negotiated a good withdrawal agreement. We have a good and fair financial settlement and a political framework which holds out the real possibility of a strong, deep relationship with our European friends and neighbours that can enable our world-class businesses and entrepreneurs to continue to work.

The noble Baroness, Lady Kramer, made a point about business investment. She asked whether the falls in business investment were explainable as purely related to Brexit or whether there was something more structural in the economy. She almost pre-empted my response—perhaps because we have had many of these debates in the past—which is that any decline in business investment in the OBR forecast is of course concerning to the Government: business investment is critical to addressing the types of productivity concerns that were raised earlier. Without investment, we cannot hope to address those concerns, and I take on board all her points, but the forecast period seems to confirm that while we have had two years of a relatively small drop in business investment, that is against the background of businesses currently sitting on historically high cash reserves. Therefore, the OBR forecasts that that will pick up to a stronger growth of plus 2.3% in 2020 and continue to grow at this stronger pace in 2021 and onwards. That seems to suggest that business investment is linked to the political issue of the hour and the uncertainty that stems therefrom.

Gender Pay Gap

Lord Lea of Crondall Excerpts
Tuesday 5th March 2019

(5 years, 2 months ago)

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Baroness Williams of Trafford Portrait Baroness Williams of Trafford
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I hope I am always eloquent—not always, maybe—but legislating for positive action by discriminating against men, if you like, is not what we want to do. Certainly the Government supports equality of opportunity, but we will not legislate for positive action.

Lord Lea of Crondall Portrait Lord Lea of Crondall (Lab)
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Can the Minister confirm that the great majority of policies such as those on parental leave come from the blessed European Union? They were negotiated by the social partners—which, translated into English, means the trade unions and the employers—at European level because, on that basis, people would not be undercutting each other by doing it on a national basis.

Trade Bill

Lord Lea of Crondall Excerpts
Committee: 4th sitting (Hansard): House of Lords
Monday 4th February 2019

(5 years, 2 months ago)

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Read Full debate Trade Bill 2017-19 View all Trade Bill 2017-19 Debates Read Hansard Text Read Debate Ministerial Extracts Amendment Paper: HL Bill 127-IV Fourth marshalled list for Committee (PDF) - (31 Jan 2019)
Moved by
66A: After Clause 5, insert the following new Clause—
“UK membership of EFTA and the European Economic Area
It shall be the objective of an appropriate authority to achieve before exit day the implementation of an international agreement to enable the United Kingdom to become a member of the European Free Trade Association and continue as a signatory to the EEA Agreement.”
Lord Lea of Crondall Portrait Lord Lea of Crondall (Lab)
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My Lords, I will begin by reading the amendment to set out what I am trying to do here:

“It shall be the objective of an appropriate authority to achieve before exit day the implementation of an international agreement to enable the United Kingdom to become a member of the European Free Trade Association and continue as a signatory to the EEA Agreement”.


It will be recalled from last summer that this policy had—has, I guess—the support of this House. I now wish to scrutinise some of the practical issues of attaining it. Given that all the other ideas seem to have fallen by the wayside, one after the other, like dominoes, I think this is the only one standing. It now has even more steam behind it.

Before I come to the main issue, I should like to make a point about Nissan and Sunderland. This is central to why we need to stay in the single market and customs union. Reading between the lines, Nissan is saying almost as much in those terms. There is a slow-burn catastrophe of collapsing foreign direct investment in Britain. I made a speech a year ago saying that the plans—not forecasts but plans—were down 80%. I was talking to the FDI people around a table. This is now exemplified by the huge Nissan setback. By the way, many Members here, in their previous incarnations, have worked very hard to secure that work. On this occasion, no one is blaming the workers or their trade unions. That is a change, is it not? They blame those who play to the gallery. Boris Johnson and his press acolytes spring to mind, with their self-serving and grossly misleading propaganda two years ago and since. They ought to be ashamed of themselves.

Even now, on the options before us, Her Majesty’s Government are still in denial about the vital requirement to enhance and protect our world market share of investment and trade by staying part of the customs union and the single market/common market. That, in turn, is the secret of Europe’s world market share vis-à-vis the USA and China, as well as Japan and other parts of Asia, as a preferred production location. The same applies to many services.

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Lord Stoddart of Swindon Portrait Lord Stoddart of Swindon
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As soon as I said that, I knew it was wrong, but in fact Mr Blair continued that way and did not introduce the Social Chapter. What I find strange about the noble Lord, Lord Lea, and others, is that they do not seem to understand that once we are an independent nation we can make the rules that we want, which may be better than the rules that 27 other member states—or 28 with ourselves—make in relation to the rights, privileges and wages of workers in this country.

Lord Lea of Crondall Portrait Lord Lea of Crondall
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That is the central point. The reason we could not do it at national level, whether in Europe or the wider world, is that our employer would say we will be uncompetitive. However, in a big bloc like the EU where we negotiated at Brussels level under the Social Chapter, they cannot say that—at least for the most part within the family of the European Union. That is the point that the noble Lord, Lord Stoddart, has not answered.

Lord Stoddart of Swindon Portrait Lord Stoddart of Swindon
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That, of course, is a matter of opinion. There are others who say that because we are members of the EU we cannot make the laws that we want in this country, which would benefit the whole country including the workforce. People should have more confidence in this country, the way it is governed and those who can govern it.

The noble Lord, Lord Lea, blamed—or seemed to blame—Brexit for Nissan reneging on its agreement to make its new model in this country. However, Nissan itself has said that the world decline in demand for vehicles, particularly diesel vehicles, was the main reason it wished to save money by developing the vehicle in Japan. We ought to be careful that we do not blame Brexit for everything that goes on in the world and this country. I hope that the noble Lord understands that I was not puzzled about what he was saying—I was merely thinking about what he was saying. Of course he will realise that I was actually listening to him, as I always do.

Lord Finkelstein Portrait Lord Finkelstein (Con)
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I thank the noble Lord for his compelling and persuasive speech. For those of us who are determined that we should not leave the European Union without any deal whatever, it is important to think about the points that he has raised. We are at the stage now where someone like me needs some guidance. There is no point haring off after something that it is not going to happen. We had a discussion in this House on these very questions, and when we had plenty of time to implement this solution, Labour Benches decided to vote against it and therefore implied that they were not in favour of it at that point, and probably that they would not be in favour of it at any point. I suspect that is still the case.

Before we get ourselves embroiled in Norway-plus as an alternative, I would certainly find it useful to know whether it is the noble Lord’s view that the Labour Party Front Bench is ever likely to support this proposal—

Lord Lea of Crondall Portrait Lord Lea of Crondall
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I can help the noble Lord on that. In the six months since the summer, Jeremy Corbyn—whether you think his policy is that of a snail or a crab—has moved to say that we in the Labour Party are in favour of staying in the customs union and a/the single market. That is Front-Bench Labour Party policy.

Lord Finkelstein Portrait Lord Finkelstein
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I think it is access to the single market, and we are both aware of the difference between those two things. Also, it is “a” customs union; I noticed that the noble Lord referred to “the” customs union. That is also something different, so his view is not quite that.

There is a second question: whether if the Labour Party decides it is going to move to this position—either as a snail or a crab; those were the noble Lord’s chosen animals—that it would then support the withdrawal agreement, which would be needed in order to pave the way for this. If it is not going to, that is significantly less attractive to someone like me looking to ensure that we do not leave without a deal. These questions are not put as a challenge—they are a genuine dilemma for those of us who are now looking at what the solutions are, who are not persuaded after the Brady amendment that we are going to get very big changes from the European Union, and who want to be sure that we can all agree on something.

Lord Lea of Crondall Portrait Lord Lea of Crondall
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If the protocol of the House allows me, I will answer questions as they come in this way. The proposal I made at the end of a negotiation involving the EU as well as EFTA is one way of getting out from under the dilemma that some future for Britain within the common market and the customs union could be found. It would not simply be “the” withdrawal agreement; it would be the withdrawal agreement/going along with EFTA under the EEA umbrella agreement, with an understanding between the 27 and us. That is my proposal.

Lord Finkelstein Portrait Lord Finkelstein
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It is a credible proposal, but only if it has some sort of political support. The questions I put are merely a matter of guidance to me—and I am sure to lots of other people like me—and I am hoping that we will get a little bit of illumination from both Front Benches that will help us along the way.

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To deal with the other points, the noble Lord talked about convening a meeting of the EEA Council and asked whether it would be possible. The UK will be leaving the EU. We will have control of our borders. That is not what he was asking about, but the terms and conditions for rejoining the EEA agreement as an EFTA member would need to be agreed with the contracting parties—the EU, the remaining EU 27 and the three EEA EFTA states, Norway, Iceland and Liechtenstein—through the EEA Council. It is not the Government’s policy to join the EEA because it is not the right arrangement for the UK’s economy and size. I hope the noble Lord will feel that we have responded to his serious proposal with some serious reasons why the Government are not able to accept his amendment, and I hope he will withdraw it.
Lord Lea of Crondall Portrait Lord Lea of Crondall
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I thank the Minister for that very courteous reply. I do indeed believe that he has taken the points very seriously, as I would have expected of him. Neither of us is Wittgenstein. I say that because I fear that Wittgenstein would not have been very happy with some of the logic that has been heard in the last 20 minutes, which tends to be along the lines of, “We can’t do X because that is governed by Y”, as though that were the end of the argument, when in fact I dealt with that proviso in what I was putting forward. It is very difficult across the Chamber, if not impossible, to untangle the tortuous web we weave, but that is what I have been endeavouring to do. I would add that the EEA Council would undoubtedly be able to open a discussion with us: who is going to tell it that it cannot do that? Whether, technically, at that moment, Britain is a third party is a separate question, I would have thought. The agenda is, first, what can we do to avoid tripping over each other in sequential negotiations with the EEA and EFTA? That is a serious problem, given the asymmetry between the technical questions affecting the single market and the customs union.

British pragmatism and common sense—not that there is much of that around these days—is the territory that I am trying to get into. I very much hope that, in the spirit of what a number of people have said, there is food for thought in what I have been saying and, in the two or three weeks before we come back on Report, who knows? A day is a long time in politics at the moment. I beg leave to withdraw the amendment.

Amendment 66A withdrawn.

Yemen: Humanitarian Situation

Lord Lea of Crondall Excerpts
Monday 14th January 2019

(5 years, 3 months ago)

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Lord Bates Portrait Lord Bates
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Stockholm is a process, not an event, so it needs to be ongoing. The situation in Hodeidah remains fragile, but we believe there is still a commitment from all parties to keep it open. Yemen is in this predicament because it relies so heavily on imports of food and fuel to serve its population, through the Red Sea ports. The latest figures we have for December show that 81% of food and 89% of fuel managed to get through. That is a reason for cautious hope, but it remains fragile, and the consequences of this not holding are well stated.

Lord Lea of Crondall Portrait Lord Lea of Crondall (Lab)
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My Lords, how far does the noble Lord think it is possible to reconcile deadlock in the UN and building on the mission’s developing role, such as keeping the Sanaa-Hodeidah road open and so on?

High Street Banks

Lord Lea of Crondall Excerpts
Wednesday 19th December 2018

(5 years, 4 months ago)

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Asked by
Lord Lea of Crondall Portrait Lord Lea of Crondall
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To ask Her Majesty's Government what powers they have to require retail banks to maintain a presence on the high street.

Lord Bates Portrait The Minister of State, Department for International Development (Lord Bates) (Con)
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My Lords, decisions on branch closures are a commercial matter and are taken by the management team of each bank without intervention from government. However, the Government recognise that branch closures can be disappointing for customers, and believe that the impact on communities must be understood, considered and mitigated wherever possible.

Lord Lea of Crondall Portrait Lord Lea of Crondall (Lab)
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My Lords, I thank the Minister for that reply. Karen Doyle runs a small bakery on the main street of Sowerby Bridge in West Yorkshire, a town that had six banks a decade ago, but the last one closed this July. She told BBC News:

“Bank closures have just ripped the heart out of the town. What really annoys me is that as taxpayers we bailed the banks out when they were in trouble and now they’ve left places like Sowerby Bridge behind”.


Lloyds Bank springs to mind, does it not? Does the Minister agree with the sentiments expressed so cogently by Karen Doyle? She could have added that it is a half-truth that everyone now happily relies on telephone banking. Given that two-thirds of bank branches have already closed, has the time not come for the high priests of the Treasury, instead of washing their hands of this exemplar of creative destruction, to start planning for a bank for regional regeneration? Otherwise, perhaps let it be set up—

None Portrait Noble Lords
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Too long.

Lord Lea of Crondall Portrait Lord Lea of Crondall
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If people interrupt, this will take longer.

Otherwise, perhaps let it be set up as an offering of seasonal good will by the European Commission.

Lord Bates Portrait Lord Bates
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I thank the noble Lord for his question. As for the situation in Sowerby Bridge, he will be pleased to know that there is now a much tougher access to banking standard, which was set up by UK Finance following a review by Professor Griggs, and requires impact assessments to be undertaken. He will further be able to reassure the resident of Sowerby Bridge that she has access to the Post Office network—some 11,500 outlets—and that as a result of the banking framework agreement now in place, 99% of personal banking services, and 95% of the small business banking services to which she referred, can now be transacted through the Post Office in Sowerby Bridge. I hope that that will bring some reassurance, and even festive cheer, to the noble Lord and to the bakery concerned.