Speeches by Dean.

“So you think the priority for most consumers is that they get their money back in a timely fashion? There are two sides of the debate, as you said: some motor firms—not some of the bigger finance providers, but some of the firms—are challenging, as is a consumer group on the basis that they can get more money from the …”

“It sounds a bit like they are talking the talk, but you are worried about whether they will be able to walk the walk. Ms Concha, I think it was you who made the point earlier about where the consumer duty sets the bar versus where they are missing it. Nikhil Rathi has said to the Committee that part of the reason the F…”

“You have talked about particular groups being judged because of their characteristics. With the emergence of, yes, AI, but also other technologies such as wearable tech and so on, they are going to be able to get quite granular and sophisticated about the types of profiles that they are insuring. Are you concerned abou…”

“I will come to the other witnesses, but I want to ask you one more question about the claims management firms that you mentioned. There are lots of bad operators out there in the market at the moment, which has been highlighted by the FCA. Some claims management firms will say that if it was not for them, this issue wo…”

“A delay in justice.”

“Mr Daley, did you want to come in?”

“Can I ask one question about the voluntary exit scheme? You said that it happened in an unstructured way as you did not have an organisation beforehand. My concern is that some of the best and most ambitious people chose to leave at that point. What protections did you have in place to stop that from happening?”

“Do you have any statistics on the number of senior people versus junior people who left, or people in the top positions?”

“We have talked a bit about why products get delayed or go over budget already and it is often said that England has a specific problem with that, but some factors we are talking about do not seem likely to be unique to England. There are changes of Government in most places across the world but not all, and I am sure t…”

“It is a pleasure to serve under your chairmanship, Sir Jeremy. I thank the right hon. Member for The Wrekin (Mark Pritchard) for securing the debate and for his thoughtful contribution. He not only highlighted the dangers of content and addiction but made a power analysis when he talked about the threat to democracy of…”

“The right hon. Gentleman makes an excellent point. That is another item on the list of things that we have ignored for far too long. Ultimately, we need to shift the balance of power. As he said in his speech, the power has been shifted too far in favour of a handful of tech giants. This is not just about economic powe…”

““Glimmers” does not sound sufficient.”

“To reiterate, is the correct analysis of why we have struggled those two central pillars of the planning system and lack of certainty? Further, are the changes that the Government have proposed sufficient or do we need to do more?”

“You make a good point. Members can be quite creative in how they apply today’s news to the subject matter they want to raise.”

“There have been a couple of points made by both Paul and Dr Louise that make me wonder whether the issue is at all procedural or whether it is cultural. There seems to be a sense that we must be fair to MPs, and they must all get to have their own say; everyone gets to say the same thing repeatedly in the debates, and …”

“Could you elaborate on the relationship with, for instance, Backbench Business Committee debates? I know that one of the original visions was that it would be quite responsive to topical issues. Do you think people just see UQs as a better avenue for that, because you apply for a Backbench debate and you might not get …”

“A final question to you, Becky. It might be slightly mean given that your career history is with consultancies, but you will be aware of the criticism of the role of consultancies in infrastructure delivery projects in terms of infantilising the public sector, stripping them of their oversight capabilities, and an over…”

“You mentioned bespoke environmental mitigations, so it would be remiss of me not to mention the insanity of the bat tunnel that has captured everyone’s imagination as an example of how projects can go wrong. The headline figure is that it cost £216 million, 37% of which is direct costs. The rest relates to risk, design…”

“I am thinking about allocation of time again and the rise in prominence of statements and UQs. Some of you have given commentary on that already, but could you remark on the general trends you have seen in both the volume and usage of UQs and statements? I am happy to go to Sir David first.”

“I thank the Minister for advance sight of his statement and for the action he has outlined that the Government are already undertaking. He will know that customers often choose National Savings & Investments because it is Government-backed, and because that provides them with extra reassurance that their savings wi…”