My Lords, I very much agree with what the noble Lord, Lord Wallace, has just said, and I will add a couple of points. One is that in a committee system, every single member of the council has a role to play, has a function and is a part of...

My Lords, I very much agree with what the noble Lord, Lord Wallace, has just said, and I will add a couple of points. One is that in a committee system, every single member of the council has a role to play, has a function and is a part of...

My Lords, it is utterly ridiculous that only 5% of UK pension funds are invested in the UK. The figure was 50% when I was a pension fund manager. The difference is entirely down to us as politicians. The solution is not to compel financial managers to do things; it...

My Lords, it is utterly ridiculous that only 5% of UK pension funds are invested in the UK. The figure was 50% when I was a pension fund manager. The difference is entirely down to us as politicians. The solution is not to compel financial managers to do things; it...

My Lords, I had a large number of amendments to my noble friend’s amendment, but I have reduced them in the interests of simplicity and time.

As my noble friend Lord Jamieson has pointed out, at an earlier stage we were promised a government review of this area. To me, that...

My Lords, I had a large number of amendments to my noble friend’s amendment, but I have reduced them in the interests of simplicity and time.

As my noble friend Lord Jamieson has pointed out, at an earlier stage we were promised a government review of this area. To me, that...

My Lords, I shall be living through the reality that my noble friend Lord Fuller has just outlined: in Eastbourne, we will be completely unparished. The people have been consulted and, having listened to my noble friend beforehand, decided that they do not want an unlimited precept in a town...

My Lords, I shall be living through the reality that my noble friend Lord Fuller has just outlined: in Eastbourne, we will be completely unparished. The people have been consulted and, having listened to my noble friend beforehand, decided that they do not want an unlimited precept in a town...

To ask His Majesty's Government what plans they have, if any, to require lotteries that allow an unlimited number of people to subscribe for a chance to win a stated prize to publish the total amount subscribed by gamblers and the stated value of the prize, for each of their three...

To ask His Majesty's Government what plans they have, if any, to require lotteries that allow an unlimited number of people to subscribe for a chance to win a stated prize to publish the total amount subscribed by gamblers and the stated value of the prize, for each of their three...

To ask His Majesty's Government whether they plan to require services that assemble syndicates to subscribe for multiple lottery entries to publish prominently the proportion of the syndicate subscription which is spent on buying lottery tickets.

To ask His Majesty's Government whether they plan to require services that assemble syndicates to subscribe for multiple lottery entries to publish prominently the proportion of the syndicate subscription which is spent on buying lottery tickets.

My Lords, I am delighted to see this series of requests for reviews. I support my noble friend’s Amendment 157. I support also my noble friend on the Front Bench in his Amendment 159, which he will no doubt speak to in due course. It echoes what the noble Lord,...

My Lords, I am delighted to see this series of requests for reviews. I support my noble friend’s Amendment 157. I support also my noble friend on the Front Bench in his Amendment 159, which he will no doubt speak to in due course. It echoes what the noble Lord,...

My Lords, we know that a much higher percentage of pension fund assets could happily be invested in UK assets; indeed, that was the case when I was managing pension funds. It is not the case now entirely because of what politicians have done to the system. We should seek...

My Lords, we know that a much higher percentage of pension fund assets could happily be invested in UK assets; indeed, that was the case when I was managing pension funds. It is not the case now entirely because of what politicians have done to the system. We should seek...

My Lords, on behalf of my noble friend Lord Balfe, and at his request, I beg leave to ask the Question standing in his name on the Order Paper.

My Lords, on behalf of my noble friend Lord Balfe, and at his request, I beg leave to ask the Question standing in his name on the Order Paper.

My Lords, I am grateful to the noble Baroness for that Answer, and I declare an interest as the father of a daughter who is currently accumulating these loans. Does the noble Baroness agree that, particularly for students whose courses are not of the quality required to generate returns of the order of the amount spent on them, and who have accumulated student loans, it would be a good idea to audit what universities are doing and why they are putting our children in this degree of debt?

My Lords, I am grateful to the noble Baroness for that Answer, and I declare an interest as the father of a daughter who is currently accumulating these loans. Does the noble Baroness agree that, particularly for students whose courses are not of the quality required to generate returns of the order of the amount spent on them, and who have accumulated student loans, it would be a good idea to audit what universities are doing and why they are putting our children in this degree of debt?

My Lords, it is a long time since I was managing big pension funds in the 1980s. In those days, we were in the happy position of considering it a bit underweight if you had less than half your

money in British stocks; now, it is 5%. It is extraordinary...

My Lords, it is a long time since I was managing big pension funds in the 1980s. In those days, we were in the happy position of considering it a bit underweight if you had less than half your

money in British stocks; now, it is 5%. It is extraordinary...

Lords motion to regret. Motion not moved.

Lords motion to regret. Motion not moved.

Lords motion to regret. Motion withdrawn.

Lords motion to regret. Motion withdrawn.

My Lords, I am grateful to the Secondary Legislation Scrutiny Committee for drawing my attention to these regulations. The committee is the punishment battalion of the House of Lords committee system. I have served my time on it and know that you get a huge pile of papers every week...

My Lords, I am grateful to the Secondary Legislation Scrutiny Committee for drawing my attention to these regulations. The committee is the punishment battalion of the House of Lords committee system. I have served my time on it and know that you get a huge pile of papers every week...

My Lords, I am grateful to the Minister for her comprehensive reply, much of which I completely agreed with. I take issue with only two points.

The first is the restriction of the impact assessment to independent schools. In understanding how regulations work and the effect they will have on the...

My Lords, I am grateful to the Minister for her comprehensive reply, much of which I completely agreed with. I take issue with only two points.

The first is the restriction of the impact assessment to independent schools. In understanding how regulations work and the effect they will have on the...

My Lords, after that, I had better begin by confessing a misdemeanour. Many years ago, I added my terrier’s name to the census as a “rodent operative” and gave her age in dog years. That illustrates that it is important that when we are gathering data it is, by and...

My Lords, after that, I had better begin by confessing a misdemeanour. Many years ago, I added my terrier’s name to the census as a “rodent operative” and gave her age in dog years. That illustrates that it is important that when we are gathering data it is, by and...

My Lords, I suggest that, since the noble Baroness, Lady Neville-Rolfe, is on her feet in the Chamber, we do not have just 30 seconds but should wait for the Division. It would seem very odd to have a short intervention. If you want one, you can have one from...

My Lords, I suggest that, since the noble Baroness, Lady Neville-Rolfe, is on her feet in the Chamber, we do not have just 30 seconds but should wait for the Division. It would seem very odd to have a short intervention. If you want one, you can have one from...

My Lords, I welcome Clause 73; it is an excellent development. I want to take advantage of the opportunity to debate its inclusion in the Bill to press the Government further on Amendment 241E from the noble Baroness, Lady Freeman, which urges that, along with the general power of competence,...

My Lords, I welcome Clause 73; it is an excellent development. I want to take advantage of the opportunity to debate its inclusion in the Bill to press the Government further on Amendment 241E from the noble Baroness, Lady Freeman, which urges that, along with the general power of competence,...

Can the noble Baroness give me a little more comfort on the timescale for the emergence of this guidance? Without asking her to commit to it, roughly when does she expect it to appear?

Can the noble Baroness give me a little more comfort on the timescale for the emergence of this guidance? Without asking her to commit to it, roughly when does she expect it to appear?

My Lords, I am grateful for that answer, as far as it went.

My Lords, I am grateful for that answer, as far as it went.