You were one of the biggest proponents of lockdown on this site! (View Post)

I would also reduce the interest rate to CPI, or perhaps CPI-0.5/1%. I don’t think there’s any justification for charging above-inflation interest on it. (View Post)

I think forgiveness is a better approach. Each year in the NHS knocks a couple of grand off the amount to be repaid. That way you don’t train people and then they promptly bugger off without paying f… (View Post)

Perhaps in the vain hope you'd refrain from posting similar tat in the future. (View Post)

That's a long-winded way of saying first. (View Post)