Ross Thomson

I hold meetings with other leaders regularly in order to further the UK’s foreign policy interests. Information about these meetings is in the public domain and can be found on the gov.uk website and in Hansard.

I hold meetings with other leaders regularly in order to further the UK’s foreign policy interests. Information about these meetings is in the public domain and can be found on the gov.uk website and in Hansard.

The Government considers that it is important that the information on the companies register should not become a tool for abuse. In response to concerns about the availability of residential address information on the register, we brought regulations into force in April to make it easier for people to have this information suppressed. We are also currently considering a broad package of reforms to Companies House, including the protection of personal information. We plan to consult on these reforms in 2019.

With increasing numbers of offshore oil and gas fields reaching the end of their economic life, forecasts from industry estimate that the annual expenditure for decommissioning over the next 5 years will be in the region of £1.7 to £2 billion. While decommissioning is a major cost for industry, and the taxpayer, it offers significant opportunities for the supply chain that will deliver the constituent elements of decommissioning activity. This encompasses a wide range of activities, covering a broad range of skills and expertise.

With recent estimates from industry suggesting that decommissioning will represent around 11 per cent of total expenditure on oil and gas for 2017, decommissioning is already benefitting the north east of Scotland and the rest of the UK’s economy. Whilst we don’t have specific figures around the economic impact of the increase in decommissioning of offshore oil and gas installations, we expect to see an increasing proportion of the offshore oil and gas industry focussing on decommissioning activities in the coming years.

UK Government, Scottish Government and Aberdeen City Region agreed the full Aberdeen City Region Deal in November 2016. The Government continues to work closely with all partners to ensure the deal drives growth and builds economic resilience, helping to diversify the wider economy of the North East of Scotland. The Deal provides £250 million for the City Region including investment in the establishment of the new Oil and Gas Technology Centre to exploit remaining oil and gas reserves and drive innovation in decommissioning technology.

There is good progress being made on a number of early sector deals, including the life sciences sector, which published a report to Government last week and intent to have reached agreement on six sector deals for the white paper later this year. The early sector deals will serve as an example of how Government can work with sectors of the economy to enhance their earning power. We are prepared to work with any sector which can organise strong leadership to address shared challenges and opportunities to grow the earning potential and engagement in their sector.

.

The 2017 Digital Strategy set out that Government would work with regulators and industry to ensure that the advertising of broadband reflects the speeds that consumers can expect to receive and accurately describes the technology used.

Since the Digital Strategy was published, the ASA has implemented new guidance, which states that speed claims should be based on the download speeds available to at least 50% of customers at peak time, and no longer on 'up to' speeds available to at least 10% of customers. Ofcom has also updated its Code of Practice on Broadband Speeds.

The ASA also reviewed the use of the term ‘fibre’ to describe part-fibre and full-fibre broadband and concluded in November 2017 that the term 'fibre' is unlikely to mislead consumers as currently used in the advertising of part-fibre broadband services. In June 2018, the Administrative Court granted CityFibre permission to proceed with its Judicial Review (JR) of the ASA's decision. The next stage is for the Administrative Court to make a substantive decision on the JR.

The Government remains committed to working with regulators and industry to ensure that consumers receive clear, concise and accurate information in order to make informed choices about their broadband, particularly as the rollout of new technologies like full fibre broadband increases. As part of this, we will monitor developments in other countries, including Italy’s current trial of a traffic light system for broadband advertising.

The Government will be consulting on its Statement of Strategic Priorities for telecommunications, spectrum and post shortly.

The 2017 Digital Strategy set out that Government would work with regulators and industry to ensure that the advertising of broadband reflects the speeds that consumers can expect to receive and accurately describes the technology used.

Since the Digital Strategy was published, the ASA has implemented new guidance, which states that speed claims should be based on the download speeds available to at least 50% of customers at peak time, and no longer on 'up to' speeds available to at least 10% of customers. Ofcom has also updated its Code of Practice on Broadband Speeds.

The ASA also reviewed the use of the term ‘fibre’ to describe part-fibre and full-fibre broadband and concluded in November 2017 that the term 'fibre' is unlikely to mislead consumers as currently used in the advertising of part-fibre broadband services. In June 2018, the Administrative Court granted CityFibre permission to proceed with its Judicial Review (JR) of the ASA's decision. The next stage is for the Administrative Court to make a substantive decision on the JR.

The Government remains committed to working with regulators and industry to ensure that consumers receive clear, concise and accurate information in order to make informed choices about their broadband, particularly as the rollout of new technologies like full fibre broadband increases. As part of this, we will monitor developments in other countries, including Italy’s current trial of a traffic light system for broadband advertising.

The Government will be consulting on its Statement of Strategic Priorities for telecommunications, spectrum and post shortly.

The 2017 Digital Strategy set out that Government would work with regulators and industry to ensure that the advertising of broadband reflects the speeds that consumers can expect to receive and accurately describes the technology used.

Since the Digital Strategy was published, the ASA has implemented new guidance, which states that speed claims should be based on the download speeds available to at least 50% of customers at peak time, and no longer on 'up to' speeds available to at least 10% of customers. Ofcom has also updated its Code of Practice on Broadband Speeds.

The ASA also reviewed the use of the term ‘fibre’ to describe part-fibre and full-fibre broadband and concluded in November 2017 that the term 'fibre' is unlikely to mislead consumers as currently used in the advertising of part-fibre broadband services. In June 2018, the Administrative Court granted CityFibre permission to proceed with its Judicial Review (JR) of the ASA's decision. The next stage is for the Administrative Court to make a substantive decision on the JR.

The Government remains committed to working with regulators and industry to ensure that consumers receive clear, concise and accurate information in order to make informed choices about their broadband, particularly as the rollout of new technologies like full fibre broadband increases. As part of this, we will monitor developments in other countries, including Italy’s current trial of a traffic light system for broadband advertising.

The Government will be consulting on its Statement of Strategic Priorities for telecommunications, spectrum and post shortly.

The government fully recognises the important economic and cultural contribution that EU and international students make to the UK’s higher education sector. We want that contribution to continue and are confident – given the world class quality of our higher education sector – that it will. We welcome international students and there continues to be no limit on the number who can come here to study, nor any plans to limit any institution’s ability to recruit them.

The UK remains a highly attractive destination for non-EU students, with their numbers remaining at record highs – over 170,000 non-EU entrants to UK higher education institutions for the seventh year running. The UK is a world-leading destination for study, with 4 universities in the world’s top 10 and 16 in the top 100 – second only to the USA. We actively promote study in the UK through the GREAT Campaign and to over 100 countries through the British Council.

In the immigration white paper, published on 19 December 2018, the government proposed to increase the post-study leave period for international students following completion of studies to 12 months for those completing a PhD, and to 6 months for all full-time postgraduate students and undergraduate students at institutions with degree awarding powers. Going beyond the recommendations set out by the Migration Advisory Committee, these proposals will benefit tens of thousands of international students.

Our Resources and Waste Strategy sets out actions we are taking, including a ban on the sale and/or supply of plastic straws, stirrers and cotton buds by April 2020. We are leading global efforts through the Commonwealth Clean Ocean Alliance, which we support with a package worth up to £70m. We also work with the International Maritime Organisation to tackle litter from ships and are helping shape a new international action plan on shipping litter.

Since 2010 the amount of plastic waste exported to other countries for reprocessing has fallen from 850,000 tonnes a year in 2010 to 600,000 tonnes in 2018. In total over this period around 7 million tonnes have been shipped. This is based on HM Revenue and Customs trade data.

The UK is recycling more than ever, achieving a 46% plastic packaging recycling rate in 2017 and exceeding the EU target of 22.5%.The Government is clear we must export less waste and that any waste we do need to export is properly handled.

The recently published Resources and Waste Strategy is focused on increasing the supply and demand for secondary materials to be recycled in the UK, thereby reducing exports of plastic waste. Any waste that will be managed abroad must be subject to strict controls and the government is committed to strengthening these controls.

The offence of allowing a dog to be dangerously out of control (section 3 of the Dangerous Dogs Act 1991) applies to attacks on other dogs, livestock and any other animals including companion dogs, as it does to attacks on people and assistance dogs.

This is based on the judgement in the Court of Appeal in R v Gedminintaite [2008] EWCA Crim 814. This case has shown that consideration of a dog being dangerously out of control is not restricted to situations where a person is present.

Enforcement action regarding illegally imported puppies is not within APHA’s remit, but is carried out by Local Authorities.

In 2018 the Animal and Plant Health Agency have been called out 44 times following referrals by carriers or border officials, eight of these related to the importation of puppies.

The UK carries out more checks of pets at the border than most other EU member states. The Animal and Plant Health Agency (APHA) works in partnership with Dogs Trust, enforcement bodies and transport carriers to identify non-compliant animals destined for Dover and Folkestone ports. This partnership in collaboration with the intelligence-led Task Force has led to over 800 puppies being seized since 2015.

Demand drives the illegal trafficking of puppies. Defra works with stakeholders to drive up standards for advertising, and to educate potential owners on how to responsibly buy a pet. Defra has published guidance on buying a pet. We have recently consulted on a ban on third party sales of puppies and kittens, and are completing the analysis of the results.

The Government continues to monitor the humanitarian situation in Sudan with concern. Close to two million people live as Internally Displaced People inside Sudan, with around 600,000 living precarious lives as refugees beyond its borders. Sudan also hosts close to a million refugees.

In early 2018 Sudan’s economy entered a phase of widespread crisis resulting in real incomes collapsing and prices of commodities increasing. The United Nations states that 5.7 million people, including all of those displaced, are in need of humanitarian support, although they estimate the number at risk is 8 million people due to the current economic crisis.

The United Nations has developed a response to meet the needs of 4.4 million people that would cost $1.2bn, and relies on the governing authorities in Sudan to facilitate safe passage of these supplies and aid workers to reach those in need of assistance. The UK’s Department for International Development (DFID) in Sudan is prioritising the humanitarian response and has already contributed £30 million this fiscal year. In addition, the UK has raised the humanitarian situation in multilateral fora, including at the European Union on 7 June calling for all to respect International Humanitarian Law and enhance the environment for protection of civilians.

DFID is at the forefront of the UK’s efforts to tackle modern slavery, one of the biggest human rights challenges of our time. The UK launched the Call to Action to end forced labour, modern slavery and human trafficking in 2017 and it has now been endorsed by close to 90 countries. The UK will continue to take a leading role driving change through the multilateral system to help achieve sustainable development goal (SDG) 8.7 and other relevant goals to end modern slavery in all its forms.

Using UK Aid which now totals over £200m, our programmes work to reduce vulnerability to exploitation and address the permissive environments that allow modern slavery and human trafficking to thrive. We are supporting countries’ efforts to tackle the root causes of trafficking by: creating jobs and livelihoods; changing business and recruitment practices to eradicate exploitation in supply chains; helping build law enforcement capacity increase detection and prosecution of perpetrators; and improving services to protect victims.

The UK’s commitment to the poorest and most vulnerable in all settings is unwavering, as is our requirement that all UK-funded humanitarian partners work according to international humanitarian principles, placing protection at the centre of their work. Our partners carry out vulnerability assessments to ensure aid effectively reaches those most in need, including those from religious minorities, as it is recognised that religion may be a factor in causing vulnerability.

Tackling modern slavery is a cross-government priority, and DFID is committed to driving change through the UN and other multilateral channels. At last year’s UN General Assembly, our Prime Minister launched the “Call to Action to end Forced Labour, Modern Slavery and Human Trafficking”, which has been endorsed by 43 countries from all regions of the world. We will continue to push for more country endorsements and ensure that it delivers action on the ground.

We are also expanding our work in developing countries to tackle the root causes of slavery and support victims, whilst addressing the factors that enable the criminality of modern slavery to thrive. As part of the Prime Minister’s commitment to double ODA spend on modern slavery to £150 million, DFID is developing £40 million of new programming which will help over 500,000 vulnerable men, women and children.

As the Prime Minister set out in her November visit to Riyadh, the UK continues to call for complete and unhindered access for commercial and humanitarian imports of food, fuel and medical supplies particularly through the ports of Hodeidah and Saleef. Following the Secretary of State’s visit to Riyadh in December we were pleased to see the Kingdom of Saudi Arabia lift all access restrictions. To encourage commercial imports which provide over 80% of Yemen’s food and fuel, we are providing £1.3 million to the UN’s Verification and Inspection Mechanism (UNVIM) this financial year (2017/18) and have provided UK experts on the ground in Djibouti to increase the number of UNVIM inspections of commercial vessels entering Yemen.

The UK will continue to play a leading role in the humanitarian response and efforts to find a political solution to the conflict in Yemen. Our funding of £205 million to Yemen for 2017/18 makes us the third-largest humanitarian donor to Yemen overall, and the second-largest to the UN Humanitarian Appeal.

The Department for International Trade (DIT) promotes trade and investment across the world and champions global free trade.

This department's support is targeted where government can add most value. We prioritise our global export promotion activity by identifying the sector-market combinations that present the greatest opportunities to achieve the maximum impact and success. The Department currently has 23 High Value Campaigns across the energy sector including oil & gas, civil nuclear and renewables.

UK Export Finance (UKEF) actively works with project sponsors to bring business to the UK. In the past 5 years, UKEF has provided over £2bn in support of energy exports.

We have successfully rolled out Universal Credit in all job centres nationally. Consequently, self-employed people, who have a health condition, can now claim either Universal Credit and/or New Style Employment and Support Allowance.

Claimants who are eligible to claim New Style Employment and Support Allowance can do so by calling the Universal Credit helpline to request a claim form or by downloading and printing the form available on Gov.uk. Full details about how to apply (including information requesting forms in alternative formats such as braille) can be found at: https://www.gov.uk/how-to-claim-new-style-esa

Claimants who are not eligible to claim New Style Employment and Support Allowance can claim Universal Credit online. For those unable to access or use digital services, assistance to make and maintain their claim is available via the Freephone Universal Credit helplines. The Universal Credit Service Centre will establish the best means of support available.

A home visit can be arranged to support a claimant in making their initial claim and completing any other administrative tasks required to ensure their application is completed.

Additionally, to help claimants who may struggle making a claim, Universal Support is available, which is advice, assistance or support to help Universal Credit and New Style Employment and Support Allowance claimants with managing their claim or award.

From 1 April 2019 Citizens Advice (England and Wales) and Citizens Advice Scotland will deliver a new “Help to Claim” service to support vulnerable claimants through the process of making a claim.

I have had regular correspondence with the Scottish Minister for Social Security on 16/07/2017, 25/08/17 and 05/02/18. As I said in my letter of 5^th February,

“Should the Scottish Government wish to exercise their considerable powers to provide financial support to those impacted by the changes to the State Pension age they are able to do so. This would be entirely a matter for them and the UK Government would not seek to stop them”.

There are no plans to meet with representatives of the Scottish Government to discuss this issue.

The table below shows the number of Personal Independence Payment (PIP) decisions and the number and proportion of mandatory reconsideration decisions and appeal decisions where the award was changed, by financial year of the initial PIP decision since the introduction of PIP in the Parliamentary Constituency of Aberdeen South.

Number of PIP decisions, and number and proportion of mandatory reconsiderations decisions and appeal decisions where the award changed, by financial year of initial PIP decision.

Data has been rounded to the nearest 10 and nearest percent.

‘#’ means fewer than 5 in this category.

There will be some degree of retrospection in these figures over time due to changes in individual case outcomes, particularly with appeals. It is expected that there will be lower numbers of completed appeals in recent months due to the time lag in appeal completion.

Latest available data to October 2017

Automatic enrolment was designed to increase the number of people saving for their retirement, and has been a great success to date. By the end of September 2017, over 8.7 million people had been automatically enrolled into a workplace pension – this included 523,000 people in Scotland

We do want to encourage people to save more than the minimum, but we need to balance this with the fact that many people are not saving anything and contributing to a pension will be new to them. We also recognise that employers needed time to adjust so as to implement the reforms, and to help manage their costs. As such, our focus is on increasing the number of people saving and increasing contributions gradually over the next two years. For an individual, these are currently at 1 per cent, rising to 3 per cent in April 2018 and 5 per cent in April 2019

We are currently undertaking a review of the policy and operation of automatic enrolment. This includes looking at the existing coverage of the policy; strengthening the evidence base concerning future contributions and how to improve individuals’ engagement with workplace pension saving so as to maximise saving for their retirement. The review work is led by a DWP team and supported by an external advisory group. We will report to Parliament by the end of 2017.

It is the British Government's longstanding policy to oppose the death penalty in all circumstances and in all countries. We remain deeply concerned by the misuse of the blasphemy laws and the treatment of minority religious communities, including Christians, in Pakistan.

We regularly raise our human rights concerns with the Government of Pakistan at a senior level. Most recently my colleague Lord Ahmad of Wimbledon, the Prime Minister's Special Envoy for Freedom of Religion or Belief, discussed the treatment of minority communities with Pakistan's Federal Minister for Human Rights, Dr Shireen Mazari, during his visit to Pakistan on 18 and 19 February. At the UN Universal Periodic Review of Pakistan in November 2017, the UK pressed Pakistan to strengthen the protection of minorities and to explain the steps being taken to tackle the abuse of the blasphemy laws.

To ensure the United Kingdom is supporting Christians in the best possible way, the Foreign Secretary has commissioned an independent, global review of the support provided to Christians overseas. The Review will consider what additional practical steps the Foreign and Commonwealth Office can take to support persecuted Christians. It will be led by the Bishop of Truro, Rt Revd. Philip Mounstephen, and will make an initial report around Easter.

The British Government continues to express out concern at restrictions on freedom of religion and belief in Burma. The Minister for the Commonwealth and the United Nations raised the UK's concerns about persecution faced by Christian and other minorities in Burma in his speech to the Human Rights Council in February 2018. The UK, working with the EU and the Organisation of Islamic Cooperation, secured a UN Human Rights Council Resolution on 27 September 2018 that called for the amending or repealing of discriminatory provisions of the "protection of race and religion laws" in Burma covering religious conversion, interfaith marriage, monogamy and population control. The British Ambassador met the Burmese Minister for Religious Affairs on 9 August 2018, and underlined the importance of interfaith dialogue.

​We condemn the terrorist attacks targeting the Coptic community and continue to stand with Egypt against terrorism. We regularly raise our concerns over issues affecting Christians with the Egyptian Government and welcome President Sisi's consistent calls for peaceful coexistence. The Prime Minister's Special Envoy for Freedom of Religion or Belief, Lord Ahmad of Wimbledon, visited Cairo in November, where he reaffirmed our mutual commitment to freedom of religion or belief and held a roundtable with religious leaders at the Anglican Cathedral.

The Foreign Secretary and the Minister for the Commonwealth and the UN have had a number of recent engagements with religious leaders, interested organisations, partner governments and parliamentarians on the issue of Freedom of Religion or Belief and the protection of human rights of Christians and all religious minorities around the world, including in the Middle East. We are also engaged on issues which impact on the situation of Christians working in the Middle East, including the rights of migrant workers and refugees and the ability of members of religious minorities to access labour markets in relevant countries in the region.

The UK supports the right of all Iraqi and Syrian refugees, regardless of religion, to return to their homes safely, voluntarily and in dignity, when conditions allow.

Syria is not currently an environment for safe, voluntary and dignified refugee return. We are calling for a negotiated political settlement to end the conflict and create the conditions for refugees to return.

During my visit to Iraq in January I raised the importance of voluntary returns of refugees and internationally displaced persons with representatives from the Government of Iraq and the Kurdistan Regional Government. To help enable these returns, the UK has committed over £47 million to directly improve conditions in areas liberated from Daesh in Iraq, including an additional £6.9 million which I announced during my visit.

Disguised Remuneration (DR) schemes are contrived arrangements that pay loans in place of ordinary remuneration with the sole purpose of avoiding income tax and National Insurance contributions. On average loan scheme users have twice as much income as the average UK taxpayer, when taking into account the loan they received.

HMRC is working hard to help individuals get out of tax avoidance for good and are encouraging anyone who is concerned about their ability to pay to contact them as soon as possible to discuss their options. HMRC has set up a dedicated helpline for those wanting to settle their avoidance scheme use, and discuss payment options.

HMRC does not want to make anybody bankrupt and very few cases ever reach that stage. They will work with all individuals to reach a manageable and sustainable payment plan wherever possible.

HMRC has simplified the process for those who choose to settle their use of avoidance schemes before the loan charge arises, so that those earning less than £50,000 a year and are no longer engaging in tax avoidance can agree a payment plan of up to five years without the need for detailed supporting information. There is no maximum period within which an overall settlement can be agreed, and all individual cases will be dealt with appropriately and sympathetically.

Since the announcement of the 2019 loan charge at Budget 2016, HMRC has agreed settlements on disguised remuneration schemes with employers and individuals of over 650 million pounds. More than 90% of this amount was collected from employers, with less than 10% from individuals.

The Government will respond to the sub-Committee’s report in due course and in the usual way.

The 2019 loan charge is targeted at disguised remuneration (DR) schemes. These are artificial tax avoidance schemes where earnings are paid in the form of non-repayable loans made by a third party.

DR schemes are contrived arrangements that pay loans in place of ordinary remuneration with the sole purpose of avoiding income tax and National Insurance contributions. When taking into account the loan they received, loan scheme users have on average twice as much income as the average UK taxpayer.

Since the announcement of the 2019 loan charge at Budget 2016, HMRC has agreed settlements on disguised remuneration schemes with employers and individuals of over 650 million pounds. More than 90% of this amount was collected from employers, with less than 10% from individuals.

HMRC have also simplified the process for those who choose to settle their use of avoidance schemes before the charge arises, so that those earning less than £50,000 a year and no longer engaging in tax avoidance can agree a payment plan of up to five years without the need for detailed supporting information. There is no maximum period within which an overall settlement can be agreed, and HMRC will deal with individual cases appropriately and sympathetically.

50,000 individuals are estimated to be affected by the introduction of the DR loan charge across the UK. Information is not held at constituency level.

At the Autumn Budget, the government announced it would introduce a Transferable Tax History for oil & gas companies. This will give investors in UK oil and gas fields certainty that they will be able to get tax relief for decommissioning assets. This should encourage new investment in older oil and gas fields, keeping them producing for longer and supporting employment.

The main industry body, Oil and Gas UK, in response to the Budget announcement have said that a Transferable Tax History would be ‘a vital step that can bring in new investment to increase recovery from existing fields and fund fresh investment which is key to generating activity for our hard-pressed supply chain. It will also help extend the lives of many mature fields and postpone decommissioning.’

This builds on the £2.3bn of fiscal support the government has already provided to the UK oil and gas industry, including a package of tax cuts across Budget 2015 and 2016, £40m of funding for seismic surveys to support exploration, and the introduction of a new Investment Allowance. As a result, the UK now has one of the most competitive tax regimes in the world for oil and gas, further supporting investment and jobs.

HMRC will have two regional centres which will serve the whole of Scotland. They will be located in Glasgow and Edinburgh, the locations which most comprehensively met HMRC’s selection criteria. The spread of HMRC‘s regional centres around the UK supports the Government’s strategy of jobs in every region and nation of the UK.

Female Genital Mutilation (FGM) is a crime and it is child abuse. The Government is clear that we will not tolerate a practice that can cause extreme and lifelong suffering to women and girls.

The Home Office’s FGM unit delivers nationwide outreach on FGM. The Unit is providing outreach support to local areas and working to raise awareness of resources available to professionals, including training, best practice examples and information on legislation and policy. Resources include an e-learning package, various communication materials such as leaflets and posters highlighting the legislation and health impacts of FGM, and an online resource pack for local areas.

We ran a communications campaign between October 2018 and February 2019 to tackle FGM. The campaign sought to prevent FGM by changing attitudes among affected communities through raising awareness of the negative long-term health consequences of FGM. The campaign also raised awareness that FGM is a crime and encouraged communities to report via the NSPCC’s FGM helpline. The campaign supported the objectives of the cross-government Violence Against Women and Girls strategy.

Earlier this year, the Home Office trained around 1,300 professionals across the country on FGM and forced marriage protection orders. The events raised awareness of the scope and effectiveness of the orders, along with a practical guide to applying, with the aim of encouraging professionals to always consider them in any safeguarding plans.

The Home Office does not separately record returns by the arrangements that support them including Memoranda of Understanding (MOU), with foreign countries and as such the information requested could only be obtained at disproportionate cost

The UK has a range of returns arrangements with receiving countries including bilateral MOU, EU Readmission Agreements, formal readmission agreements and informal operational arrangements which provide the basis for administrative removal and deportation. There are also formal returns arrangements for third-country nationals to other European countries through the Dublin Regulations.

The latest published statistics for the number of returns to individual countries is available from the GOV.uk website at: https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/803187/returns5-mar-2019-tables.ods

An internal review of point of application credibility interviews for interna-tional students was conducted in 2018 to ensure that interviews are adding value to the case consideration process and not unnecessarily inconven-iencing customers. Up to date risk information was factored in to this review. Regular engagement with universities and other educational institutions en-sures that feedback is collected in relation to the application process.