Angela Crawley
Scottish National Party - Former Member for Lanark and Hamilton East
First elected: 7th May 2015
Left House: 30th May 2024 (Dissolution)
13 Former APPG memberships
Arctic and Nordic Councils, Baby Loss, Cyber Security, Green Deal Misselling, Parents and Families, Prepayment Meters, Sex Equality, Sexual Violence, State Pension Inequality for Women, Unconscious Bias, United Nations Women, Women in Parliament, Women in TransportDivision Voting information
Angela Crawley voted No - against a party majority - in line with the party majority and against the House
One of 3 Scottish National Party No votes vs 2 Scottish National Party Aye votes
Tally: Ayes - 307 Noes - 185
All Debates
Speeches made during Parliamentary debates are recorded in Hansard. For ease of browsing we have grouped debates into individual, departmental and legislative categories.
Sparring Partners
(13 debate interactions)
(13 debate interactions)
(13 debate interactions)
Department Debates
(82 debate contributions)
(57 debate contributions)
(50 debate contributions)
(49 debate contributions)
Legislation Debates
(2,424 words contributed)
(1,543 words contributed)
(1,305 words contributed)
(1,046 words contributed)
Latest EDMs signed by Angela Crawley
Essentials guarantee and minimum income guarantee
Tabled by: Angela Crawley (Scottish National Party - Lanark and Hamilton East)That this House supports calls to implement an essentials guarantee into Universal Credit to ensure no one goes without life’s essentials; commends the Trussell Trust and the Joseph Rowntree Foundation on their Essentials Guarantee campaign; congratulates these organisations on securing more than 150,000 petition signatures in support of the campaign; …
(Most recent: 24 May 2024)
Signatures by party:
Scottish National Party: 11
Independent: 3
Plaid Cymru: 3
Hamilton Academical and the Scottish Championship
Tabled by: Angela Crawley (Scottish National Party - Lanark and Hamilton East)That this House congratulates Hamilton Academical Football Club following their promotion to the Scottish Championship for the 2024-25 season; recognises that the club achieved promotion via the play-offs in which they defeated Alloa Athletic 5-4 on aggregate in the semi-finals and Inverness Caledonian Thistle 5-3 on aggregate in the final …
(Most recent: 24 May 2024)
Signatures by party:
Scottish National Party: 9
Democratic Unionist Party: 1
Workers Party of Britain: 1
Commons initiatives
These initiatives were driven by Angela Crawley, and are more likely to reflect personal policy preferences.
MPs who are act as Ministers or Shadow Ministers are generally restricted from performing Commons initiatives other than Urgent Questions.
Angela Crawley has not been granted any Urgent Questions
2 Adjournment Debates led by Angela Crawley
3 Bills introduced by Angela Crawley
A Bill to make provision for paid leave for people who have experienced miscarriage.
Friday 6th May 2022
A Bill to make provision for paid leave for people who have experienced miscarriage.
A Bill to make provision about workers’ rights; to amend the definition of worker; and for connected purposes.
Monday 21st June 2021
6 Bills co-sponsored by Angela Crawley
Non-Disclosure Agreements (No. 2) Bill 2021-22
Sponsor - Maria Miller (Con)
Pregnancy and Maternity (Redundancy Protection) Bill 2019-21
Sponsor - Maria Miller (Con)
Pregnancy and Maternity (Redundancy Protection) Bill 2017-19
Sponsor - Maria Miller (Con)
Armed Forces Representative Body Bill 2017-19
Sponsor - Martin Docherty-Hughes (SNP)
Child Maintenance Bill 2017-19
Sponsor - Marion Fellows (SNP)
Companies Documentation (Transgender Persons) Bill 2016-17
Sponsor - Baroness Morgan of Cotes (Con)
Latest 50 Written Questions
(View all written questions)6 Other Department Questions
It is crucial that we ensure everyone is treated fairly in the workplace, so that they can thrive and reach their full potential, including LGBT people undergoing - or seeking to undergo - fertility treatment.
While no specific assessment has been made, the Government has set out in the Women’s Health Strategy our commitment to remove the additional financial burdens of self-funding artificial insemination on female same-sex couples, so that they are able to access NHS-funded fertility services in a more equitable way. It is for Integrated Care Boards to implement the commitment to improve access to NHS-funded fertility treatment for female same sex couples, taking account of the relevant equality legislation. Media coverage of, and stakeholder interest in, these developments should help raise awareness, including amongst employers, about the importance of fertility treatment for LGBT family formation.
As part of our Inclusive Britain strategy, published in March 2022, we launched an Inclusion at Work Panel last year aimed at helping employers achieve fairness and inclusion in the workplace.
If an individual feels that they have been unlawfully discriminated against in the workplace, they may wish to contact the Advisory, Conciliation and Arbitration Service (Acas). They may also wish to contact the Equality Advisory and Support Service which provides free bespoke advice and in-depth support to individuals with discrimination or equality concerns.
Opposition Chief Whip (Commons)
It is crucial that we ensure everyone is treated fairly in the workplace, so that they can thrive and reach their full potential, including LGBT people undergoing - or seeking to undergo - fertility treatment.
While no specific assessment has been made, the Government has set out in the Women’s Health Strategy our commitment to remove the additional financial burdens of self-funding artificial insemination on female same-sex couples, so that they are able to access NHS-funded fertility services in a more equitable way. It is for Integrated Care Boards to implement the commitment to improve access to NHS-funded fertility treatment for female same sex couples, taking account of the relevant equality legislation. Media coverage of, and stakeholder interest in, these developments should help raise awareness, including amongst employers, about the importance of fertility treatment for LGBT family formation.
As part of our Inclusive Britain strategy, published in March 2022, we launched an Inclusion at Work Panel last year aimed at helping employers achieve fairness and inclusion in the workplace.
If an individual feels that they have been unlawfully discriminated against in the workplace, they may wish to contact the Advisory, Conciliation and Arbitration Service (Acas). They may also wish to contact the Equality Advisory and Support Service which provides free bespoke advice and in-depth support to individuals with discrimination or equality concerns.
Opposition Chief Whip (Commons)
It is crucial that we ensure people are treated fairly in the workplace, so that everyone can thrive and reach their full potential, whatever their background or characteristics, including LGBT people.
The Equality Act 2010 provides one of the world’s strongest legislative frameworks to prevent and tackle discrimination and harassment in employment against those with particular protected characteristics, including sexual orientation and gender reassignment.
As part of our Inclusive Britain strategy, published in March 2022, we launched an Inclusion at Work Panel last year aimed at helping employers achieve fairness and inclusion in the workplace.
Opposition Chief Whip (Commons)
We are proud that we legislated for the introduction of marriage for same sex couples.
It is already possible for same sex couples in a civil partnership to convert their civil partnership to a marriage in the parts of the United Kingdom where same sex marriage is legal.
There were 7,732 couples in England and Wales who chose to convert their existing civil partnership into a marriage between 10 December 2014 and 30 June 2015 (just over six months of data).
The Government’s consultation on the feed-in tariff review reflects the need to balance sector support whilst keeping bills down for consumers. We strongly welcomed evidence from the sector during this review consultation, which ended on 23 October.
We published an impact assessment on our proposals, which included the deployment projections for each option proposed. This is available here: https://www.gov.uk/government/consultations/consultation-on-a-review-of-the-feed-in-tariff-scheme.
In order to meet our sustainable energy targets, we know we will need significant cuts in emissions across all parts of the economy. This will not depend on any single technology, but rather will need a balanced mix of low carbon technologies, including nuclear, renewables, and carbon capture and storage (CCS) in order to help tackle the threat of climate change while keeping the lights on and ensuring the best value for consumers.
The feed-in tariff scheme has been extremely successful in deploying small-scale renewables. The scheme has already exceeded our 2020/21 projections for hydro, wind, and anaerobic digestion and is within the projected range for solar PV.
The Law Officers’ Convention prevents me from disclosing outside Government whether I have been asked to provide advice or the contents of any such advice. This is a longstanding and well-known principle of Cabinet collective agreement. |
The Law Officers’ Convention prevents me from disclosing outside Government whether I have been asked to provide advice or the contents of any such advice. This is a longstanding and well-known principle of Cabinet collective agreement. |
The Law Officers’ Convention prevents me from disclosing outside Government whether I have been asked to provide advice or the contents of any such advice. This is a longstanding and well-known principle of Cabinet collective agreement. |
Civil service pay, excluding the Senior Civil Service, is delegated to departments and to the Devolved Administrations.
For 2019/20, government departments have flexibility to make average pay settlements of up to 2%, depending on their workforce requirements and affordability. Any department wishing to pay an award above 2% is able to submit a business case to HM Treasury and Cabinet Office for ministerial approval. Departments are also able to meet the costs of increases to the National Living Wage outside of the 2%.
MPs’ pay is set by the Independent Parliamentary Standards Authority, which is independent from government.
Civil service pay, excluding the Senior Civil Service, is delegated to departments and to the Devolved Administrations.
For 2019/20, government departments have flexibility to make average pay settlements of up to 2%, depending on their workforce requirements and affordability. Any department wishing to pay an award above 2% is able to submit a business case to HM Treasury and Cabinet Office for ministerial approval. Departments are also able to meet the costs of increases to the National Living Wage outside of the 2%.
MPs’ pay is set by the Independent Parliamentary Standards Authority, which is independent from government.
Civil service pay, excluding the Senior Civil Service, is delegated to departments and to the Devolved Administrations.
For 2019/20, government departments have flexibility to make average pay settlements of up to 2%, depending on their workforce requirements and affordability. Any department wishing to pay an award above 2% is able to submit a business case to HM Treasury and Cabinet Office for ministerial approval. Departments are also able to meet the costs of increases to the National Living Wage outside of the 2%.
MPs’ pay is set by the Independent Parliamentary Standards Authority, which is independent from government.
My department does not hold this data centrally.
Shadow Chancellor of the Duchy of Lancaster
Board membership is determined by the needs and policy priorities of each Department.
The Civil Service Talent Action Plan requires government departments to ensure that organisational boards are diverse and to publish data on the diversity of their Boards.
The Government understands the importance of supporting people who are undergoing fertility treatment. We recognise the impact on women and couples of infertility and the importance of fertility treatment in helping them have long wished for families.
While there is no specific right to time off work for medical appointments, there are a number of ways through our existing policy and legal framework in which employees may be able to take time off to attend an appointment. Many employers are also willing to agree ‘ad-hoc’ or informal flexible working arrangements on a short-term basis.
Shadow Secretary of State for Business and Trade
Over the last two years, the Government has demonstrated its commitment to supporting the most vulnerable with one of the largest support packages in Europe. Taken together, total support between 2022 and 2025 to help households with the cost of living is worth £108 billion – an average of £3,800 per UK household.
The Government is continuing to support those most in need with millions of vulnerable households who have received up to £900 in further Cost of Living Payments, with an extra £150 to those on eligible disability benefits. An extra cost of living payment is being paid to pensioner households worth up to £300 through the Winter Fuel Payment, meaning eligible individuals will receive between £250 - £600.
The Government continues to provide support through the Warm Home Discount, which provides low-income households with an annual £150 rebate off their energy bill every winter.
Ofgem works to protect energy consumers. To ensure that their work is informed by the needs of Britain’s energy consumers, they regularly monitor levels of debt and arrears of UK domestic consumers. This is available at https://www.ofgem.gov.uk/publications/debt-and-arrears-indicators
On 25 August, Ofgem announced that from 1 October the prepayment meter (PPM) level of the price cap will decrease by £128 from £2,077 to £1,949 for average dual fuel consumption.
In addition, the Energy Price Guarantee currently aligns costs for comparable PPM and direct debit customers, ensuring that those on PPMs are not paying a premium for their costs.
Ofgem has launched a consultation on levelling the cost of standing charges on prepayment meters which closes on 22 September.
Ofgem, the energy regulator, has developed a Code of Practice to strengthen protections and support for consumers who may be moved onto a prepayment meter involuntarily. This has been agreed with energy suppliers who will be required to demonstrate readiness to implement the Code of Practice.
Ofgem intends for these new protections to be in licence conditions ahead of this winter. Customers remain protected by the current pause on involuntary installations of prepayment meters in the meantime.
Ofgem rules require energy suppliers to provide extra support where appropriate, including an obligation to make emergency and friendly-hours credit available to all pre-payment meter customers. When assessing how a customer will repay any credit offered, suppliers must also consider their ability to pay.
The Government introduced the ‘Breathing Space’ scheme, which aims to address consumers’ ability to tackle debt and offers legal protections from creditors for 60 days. A standard breathing space is available for anyone with problem debt, administered by debt advice providers and local authorities who provide debt advice to residents.
Customers may also be eligible for cost-of-living payments from the Department for Work and Pensions.
The Energy Price Guarantee will continue to ensure all households pay less for their energy bills than they would have otherwise with no Government intervention.
The Government has also announced further support worth £26 billion in 2023-24, to help the most vulnerable households.
The Government has set up a number of Energy Affordability schemes to support vulnerable people with the cost of their energy bills during the cold weather. The Energy Price Guarantee will save a typical household in Great Britain £900 this Winter. The Energy Bills Support Scheme provided households with £400 non-repayable Government discount paid in instalments to UK households from October 2022 to March 2023. Households using alternative fuels will be also entitled to a £200 Alternative Fuel Payment.
This is in addition to the cost-of-living support package announced in May 2022 of
- £650 Cost of Living Payment for those on means tested benefits;
- £300 Pensioner Cost of Living Payment for pensioners, households across the UK to be paid alongside the Winter Fuel Payment;
- £150 Disability Cost of Living Payment.
1 Department for Science, Innovation & Technology Questions
(View all Angela Crawley's DSIT questions)In April 2023, Ofcom’s Affordability Report showed 6% of UK households were experiencing affordability issues with their fixed broadband services, and 8% with their mobile connectivity. For those on benefits these numbers rose to 11% in broadband and 17% in mobile.
To support low-income households, the Government has worked with telecoms providers to ensure market provision of low-cost broadband and mobile tariffs. Social tariffs are available from 27 providers (including BT, Sky, Virgin Media, and Vodafone), across 99% of the UK and start from £10 per month.
In June 2022, following Government negotiations, broadband and mobile operators agreed a set of public commitments to support their customers through the rise in the cost of living, including allowing those struggling with their bills to enter into affordable payment plans or switch to cheaper deals without penalty.
Shadow Minister (Health and Social Care)
26 Department for Business, Energy and Industrial Strategy Questions
(View all Angela Crawley's BEIS questions)The Energy Price Guarantee will benefit all Great Britain households who are grid connected and buy gas or electricity directly from a supplier. Where equivalent support is needed the Government will provide it to those whose homes are powered differently, including park homes, heat networks and, off grid households.
The Renewables Obligation Order (RO) and Contracts for Difference (CfD) sustainability criteria require that electricity generation from biomass does not exceed a set greenhouse gas threshold and produces life-cycle emission savings:
https://www.ofgem.gov.uk/publications/renewables-obligation-sustainability-criteria.
It is Ofgem’s role, as the independent regulator, to set a fair level for the price cap. Legislation sets out that Ofgem must review the level of the cap at least once every 6 months to ensure the cap appropriately reflects the underlying costs of energy, and the need to ensure that energy suppliers who operate efficiently are able to finance their activities.
Ofgem robustly developed and widely consulted on their methodology for determining the cap level, which was last published on 4 February 2022.
The Government is committed to ensuring that support is provided to help consumers deal with the impact of high wholesale energy costs.
In response to the recent energy price cap increase, my Rt. Hon. Friend Mr Chancellor of the Exchequer has announced a package of support to help households with rising energy bills, worth £9.1 billion in 2022-23. This includes a £200 rebate for households delivered via their energy bill this autumn, a £150 non-repayable reduction in Council Tax bills for all households in Bands A-D in England and £144 million of discretionary funding for Local Authorities to support households who need support but are not eligible for the Council Tax reduction. In Scotland, Wales and Northern Ireland, delivery of the council tax rebate will depend on how the Devolved Administrations choose to structure their support; they have flexibility to determine how they use their Barnett funding.
In addition to these measures, the Government will continue to provide support to vulnerable consumers through the Warm Home Discount Scheme, which this winter is providing over 2 million households a £140 rebate off their energy bill each winter. The Government has announced that the rebate will be increasing to £150 and will help an extra 780,000 households next winter. Further, Winter Fuel Payments and Cold Weather Payments help ensure the most vulnerable are better able to heat their homes over the colder months.
Decisions on the level of the price cap are for Ofgem. The government is in regular contact with Ofgem and industry to discuss the impact of unprecedented global gas prices and will continue to monitor the situation closely to ensure consumers are protected.
A four-day working week may work well for some workers and employers. However, the Government does not believe there can be a ‘one size fits all’ approach to work arrangements. That is why we put individual agency and choice at the heart of our consultation on “making flexible working the default”, which closed on 1st December 2021. We are currently reviewing the responses and will respond in due course.
BEIS Ministers attend the Flexible Working Taskforce, which is co-chaired by senior officials and the Chartered Institute of Personnel Development. This considers how to support flexible working in all its forms. The Taskforce’s membership comprises representatives from 16 external organisations including trade unions, voluntary sector organisations, and business groups.
The Government has no plans to implement trials of a four-day working week in the UK Civil Service.
The Employment Bill is a core part of Building Back Better, supporting the Government’s aim to build a high skilled, high productivity, high wage economy that delivers on our ambition to make the UK the best place in the world to work and grow a business. COVID-19 is having a profound impact on the labour market, so it is right that we introduce the Employment Bill when we are sure it will address the needs of businesses and workers in the post-Covid economy. We will bring forward the Employment Bill when the Parliamentary time allows it. In the meantime, we will continue to take necessary action to support businesses and protect jobs.
Subject to the outcome of two public consultations, later this year, the Government plans to introduce ecodesign measures that promote the repairability of consumer products, such as household fridges, washing machines and televisions, in order to increase their lifespan. These measures aim to improve the resource efficiency of energy related products and this will include ensuring that spare parts are available for a minimum of seven years after the placing of new products on the market. They will also ensure that parts can be replaced with the use of commonly available tools, tackling premature obsolescence. We are also seeking powers through the Environment Bill that will enable government to require products to carry information for example relating to product lifetimes, durability and reparability.
Our forthcoming world class energy-related products framework will push products to use even less energy and material resources, in order to reduce carbon emissions and consumer bills, and improve resource productivity.
The Government recognises the outbound travel sector has been particularly hard hit by covid-19, and we will continue to engage regularly with ABTA and its members about the sector’s recovery.
Businesses in the outbound travel sector have been able to access Coronavirus Jobs Retention Scheme, the loan schemes, VAT deferrals and cash grants of up to £25,000 for retail, hospitality and leisure businesses, as well as a broad range of other economic support.
Additionally, on 18 July the Government announced that ATOL-protected holidaymakers can book with confidence following confirmation that the Government will protect refund credit notes offered if packages are cancelled as a result of COVID-19.
Accrediting new lenders for the Bounce Back Loan Scheme (BBLS) is a priority for the British Business Bank. The Bank is working at pace to accredit more lenders to further extend the Scheme’s reach and provide more choice for smaller businesses.
The Bank has put substantial additional resources in place to create a streamlined process within the Bank to help onboard new lenders seeking accreditation as quickly as possible. For example, existing lenders accredited under the Coronavirus Business Interruption Loan Scheme (CBILS) may have an expedited accreditation process for the BBLS.
There are currently 16 accredited lenders for the BBLS.
The Bounce Back Loan Scheme (BBLS) has been introduced to help small and medium-sized businesses to borrow between £2,000 and £50,000. Businesses are not required to bank with a lender in order to apply for a Bounce Back Loan with them. A full list of accredited lenders can be found on the British Business Bank website.
To be eligible for the scheme, businesses must:
- be based in the UK
- have been negatively affected by coronavirus
- not have been an ‘undertaking in difficulty’ on 31 December 2019
- not already be claiming under:
o Coronavirus Business Interruption Loan Scheme (CBILS)
o Coronavirus Large Business Interruption Loan Scheme (CLBILS)
o COVID-19 Corporate Financing Facility
To apply for the scheme businesses must complete a short, simple, online application form, meaning that applications can be submitted and processed rapidly. Businesses should then be able to access loans within a matter of days. The Government is providing lenders with a 100% guarantee on each loan to give them the confidence they need to support the smallest businesses in the country.
The Government continues to work with banks and other finance providers to help SMEs access the finance they need.
Great Britain has a reliable energy system and maintaining a safe and secure energy supply is a key priority for this Government.
Since the start of the Covid-19 outbreak, we have been in daily contact with gas and electricity operators, the National Grid Electricity System Operator (ESO), National Grid Gas (NGG), and Ofgem, to ensure our electricity and gas supplies are secure.
We have received assurance from all critical gas and electricity operators that they have contingency plans in place to mitigate the impacts of Covid-19; and we are closely monitoring staff absenteeism levels, as well as the supply of key commodities.
Currently, electricity and gas margins are adequate and there is sufficient supply to meet demand. The implementation of the Government policies to delay the spread of Covid-19 is resulting in a measurable reduction in the national demand for electricity and gas.
We are confident that electricity and gas supplies will keep flowing.
On 3 July we published ‘Gender equality at every stage: a roadmap for change’, which sets out our plans to address the persistent gendered barriers people face at every stage of life. As part of the development of the roadmap the Minister for Women and Equalities engaged with ministers across government, including the Secretary of State for Work and Pensions, on a range of issues related to gender equality.
Shadow Secretary of State for Health and Social Care
On 28 November 2018, Her Majesty's Government released a detailed economic assessment of the effect of multiple EU Exit scenarios on the strength of all parts of the UK economy, including the services sector.
The Government works closely with the sector through the industry-led Professional and Business Services Council (PBSC). The Council is made up of representatives from the PBS sector, with a number of working groups focusing on important issues and opportunities for growth and employment in the sector.
The review of provisions for parents of premature, sick and multiple babies is being carried out by officials in the Department for Business, Energy and Industrial Strategy to enable them to provide advice to Ministers. We have no plans to publish this advice but I look forward to discussing the conclusions we reach with interested parties in due course.
We are currently evaluating the Shared Parental Leave and Pay scheme. We anticipate being in a position to publish findings later in 2019.
I can confirm that the new survey into family-related leave and pay entitlements - including Paternity Leave - has been commissioned. Data collection is due to start shortly; subject to the progress of this, we can expect to be in a position to publish findings later this year.
Enforcement of the National Minimum Wage and National Living Wage (NMW) is a priority for this Government. HMRC enforce the NMW on behalf of BEIS; in 2018/19 we increased HMRC’s enforcement budget to a record high of £26.3 million. HMRC responds to 100% of worker complaints.
In the financial year 2017/18, HMRC closed 2,402 cases and identified £15.6 million in arrears of wages for over 200,000 workers. This is the largest amount of money recovered for the highest number of workers since the NMW came into force. HMRC issued financial penalties in 810 of these cases, with a record total value of just under £14.1 million.
Further details are available in the published document below:
Enforcement of the National Minimum Wage and National Living Wage (NMW) is a priority for this Government. HMRC enforce the NMW on behalf of BEIS; in 2018/19 we increased HMRC’s enforcement budget to a record high of £26.3 million. HMRC responds to 100% of worker complaints.
In the financial year 2017/18, HMRC closed 2,402 cases and identified £15.6 million in arrears of wages for over 200,000 workers. This is the largest amount of money recovered for the highest number of workers since the NMW came into force. HMRC issued financial penalties in 810 of these cases, with a record total value of just under £14.1 million.
Further details are available in the published document below:
The Department is conducting a short, focussed internal review of the provisions for parents of premature babies and sick babies and those that experience multiple births. The purpose of this work is to obtain a high-level understanding of the barriers to participating in the labour market that these parents can face. It would not be appropriate to announce future policy without first establishing an appropriate evidence base.
BEIS officials are working with organisations who represent the interests of these parents (The Smallest Things, Bliss, and TAMBA) to better understand the issues that parents can face and have also held focus groups with a small number of parents themselves. This will inform our policy consideration.
The Department for Business, Energy and Industrial Strategy is currently evaluating the Shared Parental Leave and Pay scheme. Amongst other things the evaluation will look at take up rates for the scheme, barriers to take up and how the scheme is being used in practice. Based on this information, the evaluation will assess whether the scheme has met its objectives.
The most recent official data on length of family-related leave taken by parents is from the Maternity and Paternity Rights Survey in 2009, which collected data from parents of children born in 2008 across Great Britain.
This shows that in 2008, 73% of fathers who took some time off used paternity leave. Of fathers who took paternity leave, 50% took two weeks of leave, 16 per cent took more than two weeks and 34 per cent took less than two weeks.
We are currently commissioning a new survey which will provide updated information on family related leave and pay entitlements including Paternity Leave.
Between February and April 2018, we ran a £1.5m paid for communications campaign to promote Shared Parental Leave and Pay to eligible parents. This was supported by the publication of revised tools and guidance which make it easier for parents to understand and access the scheme.