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I think that is good advice. Some people are just wankers but most are reasonable. I'd prepare a list of the issues they are raising with your response and evidence. Send it in to them and suggest a meeting to go through together and agree anything that still needs to be addressed and next...

I'm still undecided on this one. I'm against free movement on the grounds of the impact on housing. I'm against bureaucracy in all its sloth-like forms. However I'm unable to assess the potential impact on the economy of leaving and would love to see some models by an independent with...

Which is exactly why he's inconsistent. How can he be expected to play well when he's constantly worrying about not being able to get his clean pants out of his case?

Andy Turner is to football analysis what Einstein is to Physics. He's only equalled by the impish Alan Poole - the man who Brian Clough begged to work with before settling for Peter Taylor. We are blessed to have two such geniuses commenting on CCFC and my guess is we'll only realise how much...

I believe that in Scotland you may open but you must pay a premium on wages. The SNP voted against because that clause was not inserted into the English bill. I think they have a point - but I also agree that it's wrong that they can change English law but parliament cannot change Scottish law.

Nearly completed watching this; it's unbelievable isn't it? I know the defence team doesn't accuse the police of the murder due to the negative impact it is likely to have on the jury. I also know there is no evidence that they did it. However they certainly seem to have motivation and...

I suspect they excluded something from the 11k numbers - such as interest due on debt for example.

I was going to say that the video was bollocks and then I read the BoE paper. Would you believe that I have worked in Finance for 25 years & didn't know that? The importance of capital ratio now makes more sense to me. Thank you. So, yes I agree, that permitting banks to lend more and...

I agree with almost everything you say & I agree that houses can be bought for £100k. But my concern is that even that is not affordable: Age 24, now earning, say, £27k and has £20k of student debt outstanding. £27k is a good salary for a young person and that's only just affordable - right...

I'm sorry - you are wrong.

If you get a windfall do you spend it all immediately? Or do you save some for a rainy day? Only my opinion but I think it would be dumb to splash out everything next year only to possibly be broke the following year.

I don't understand this point. Issuing a mortgage isn't printing money. Banks have to fund mortgages: that's why they have savings accounts and the London inter-bank lending market exists (LIBOR). Further, reducing mortgage lending further would only put new buyers in greater difficulty.

I'm wondering if part of the solution may be to build more high end blocks of flats in urban areas. Here's the thinking: if you build low-end tower blocks they quickly become no go areas & you cannot force the under classes to behave (NB by under-class I don't mean to poor, I mean those people...

If you take the land off builders who's going to build the houses? There's already a control for the type of houses that are built - it's not enough.

This is not a party political rant, both main parties have had a go at this issue and failed. Further I am not a racist or against people migrating per se. I read yesterday that house prices went up by nearly 10% again over the past 12 months: much faster than the rate of general inflation and...

Ain't going to be a lot of building forwards if we spend all our money. Just my opinion but one player doesn't make a team; a successful team is more than the ability of each individual.

I don't remember them playing Cov - but then I'd have been just a little too young to have been allowed to go in 78. By 79/80 I was out at gigs most weekends.

Nope, don't believe so. oh well, this is pop.

Comedy: Eric & Ernie; Reeves & Mortimer; Fielding & Barratt Music: Docherty & Barat; Partidge & Moulding; Page and Plant Books: Joyce & Beckett Food: Madras & pilau

It's always good to approach everything with cynicism.