Marking my ten years at Common Weal

“Everything in politics seems impossible until the moment it becomes inevitable” – Craig Dalȝell

This blog post previously appeared in Common Weal’s weekly magazine. Sign up to our Daily Briefing and Weekly Magazine newsletters here.

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(I think this is the first photo of me at a Common Weal event – IdeaSpace, October 2016)

Time certainly does fly. Last week marked ten years since I published my first policy paper through Common Weal. By 2016, I had gone through a bit of a journey from my political radicalisation during the independence referendum, to losing my job and, as it turned out, my career as a laser engineer at the tail end of 2015.

In that intervening time I had kept up my political writing through my personal blog and it was an article there about GERS that caught the eye of Robin (who already knew me via previous campaigning together) and led him to asking me if I could help on a project about Fracking.

At that time, the political winds (including within the Scottish Government) were pushing very much in favour of fracking the hell out of Scotland and while the anti-fracking campaign had (and still has) a very strong case in terms of climate change, local environmental impact and in terms of long term energy security, the pro-fracking side were talking mostly about economics and when it comes to a campaign based on environmental principles vs a campaign based on making the GDP line go up, politicians are often much more easily swayed by the latter than by the former.

Hence the need for something different. I was asked to investigate the Economics of Shale Gas Extraction with a critical eye to see just how they actually held up. The result: They didn’t. Fracking does well to boost the profits of the owner of the well but the industry would create few jobs (especially in comparison to renewables or even the legacy oil industry), would produce even fewer local jobs and would do absolutely nothing in terms of energy security or the price of energy bills.

Even the profits made would only be made if gas prices are pushed anomalously high (thus, as we’ve most recently seen, the industry is sensitive to geopolitics) and if the companies involved are allowed to not pay the costs created by the pollution of the extraction and the burning of the gas.

I’m proud to say that that paper had a significant impact. It was widely read and adopted throughout the anti-fracking campaign in Scotland and that campaign would go on to win a moratorium against extraction that persists to this day (although there are still those seeking power who would reverse that ban).

Not bad for a first attempt at a policy paper!

Ten years later, I’ve published probably more than twenty more, plus co-authored half a dozen books, produced hundreds of hours of audio and video interviews and more. And don’t worry, this isn’t a retirement message quite yet – I still have at least a few more in me (you’ll very much want to keep an eye on the one I’m just finishing up at the moment!).

I’m always a bit embarrassed to self-promote but this seems like a moment that I shouldn’t pass up. I’d like to present the five policy papers written by myself that I look back on most fondly, either because of their sheer impact in the political scene or because they meant a lot to me in terms of subject matter.

Beyond GERS – 2016

If my fracking paper was the one that kicked off my time at Common Weal, Beyond GERS was the one that made my mark on the Scottish political scene. Beyond GERS sought to recontextualise the way we, as a nation, talked about the annual Government Expenditure and Revenue Scotland report as it was increasingly being used as a stick to beat the independence movement when it was, in fact, showing something rather different – that Scotland’s accounts were being grossly distorted by the fact that we were not independent in ways that made it very difficult to even talk about the finances of what lay beyond that horizon.

For example, just the fact of independence would cause a lot of civil servant jobs in London who are doing work ‘for’ Scotland to move to Scotland – along with the economic impact they would have when they live their lives in and around Edinburgh instead of in London.

The negotiations around debt and asset splits would cause significant changes which could very well lead to Scotland paying much less in debt interest each year (and almost certainly not more in interest even in a ‘worst case’ scenario). And then actual policy changes like choices to be made over how and where military budgets are spent or where and how large Scotland’s embassies would be could have significant impacts on our annual budgets.

The actual numbers in that paper are now out of date as is much of the methodology that went into calculating them. This was because, in additional to changes to devolution in 2017, one of the impacts this paper had was to change (and in my view improve) how GERS itself was presented. Other impacts were an increased focus on GERS in the context of independence which led to similar papers being produced looking at Wales and at Northern Ireland, which both reached similar conclusions to my own paper. It also led to multiple Scottish Government Ministers promising to produce their own version of a set of “post-indy accounts” for Scotland, though none have actually materialised yet.

Social Security for All of Us – 2017

It was Common Weal’s paper in 2013, In Place of Anxiety that was a major early developer of my political viewpoints, particularly its case for a Universal Basic Income. The concept had been around before then, of course, but that was my own introduction to it. In 2017, I had the opportunity to revisit the topic as part of a broader work on how an independent Scotland could redesign its welfare state.

As part of this I produced one of Scotland’s first fully costed Universal Basic Income schemes. It is meagre by today’s standards (equivalent to Universal Credit, but truly Universal) and I would now advocate for a UBI that meets some kind of adequacy standard of being able to actually prevent poverty rather than merely allow someone to live in poverty.

This paper had multiple impacts on the Scottish political world – not least, it played a role in pushing the major parties to make pledges around the idea of a UBI in the 2021 Scottish elections. The SNP, Greens and Lib Dems all came out in favour of a UBI and Scottish Labour presented a counter-plan around a Minimum Income Guarantee.

Sadly, none came to pass. The UBI pilot scheme proposed by the Scottish Government was blocked by the UK Government and their report into Minimum Income was all-but buried by the Government who had by then changed First Minister twice and were evidently no longer interested.

Ambitions for the next Parliament have also been scaled back with Labour and the Lib Dems dropping their pledges entirely, the SNP promising only pilot study of a Minimum Income study for artists and the Greens proposing a similar pilot for a UBI for care leavers. Both pilots are welcome, of course, but it’s still a step back from the loftier promises of 2021.

However, that journey from 2017 to now has been a remarkable one. Back then UBI was still a radically utopian idea in Scotland, fit only for academics and weird policy wonks. By 2021, Scotland had a Parliamentary majority in favour of UBI even if it lacked the power to implement one and that majority went across the constitutional divide – a rare thing these days.

It also led me to being picked up this year by Basic Income Network Scotland and joining them as a Trustee, so you can believe that I’ll be keeping the issue live as we go into the next Parliament to make sure those pilot schemes happen and then we eventually get a Basic Income rolled out to All of Us.

A Silver Chain – 2018

The Sustainable Growth Commission was the first major push by the SNP to produce a body of work on Scottish independence since the publication of its Scotland’s Future White Paper in 2014. It was widely anticipated but at Common Weal we had heard whispers and rumours that we weren’t going to like what was in it. Sure enough, when it was published we were, quite frankly, appalled. I received an ‘advance’ copy of the report just two hours before its midnight embargo and stayed up till 3am reading it – I was then on the radio at 8am the following morning being interviewed about it which made the late night rather worth it.

Over the course of that publication day, I hammered out this policy paper which was published a few days later. The biggest difficulty we had with the report was the ‘six tests’ it laid out that were put in place to block the launch of an independent Scottish currency in the event of independence. Tests that we still maintain would have been impossible to meet and that the act of adhering to the tests would have made it harder, not easier, to launch a new currency.

This wasn’t the only objection we had but it was the one that gained the most traction. The party had to put substantial effort into railroading an adoption motion through their conference that year – the rebellion amongst members was almost as great as the one they saw during the debate to become a pro-NATO party. It also led to the formation of what would become the Scottish Currency Group who have taken our work on an independent Scottish currency and have pushed on far beyond it. Keep an eye out for their next sets of work in the coming months.

Good Houses For All – 2020

There is no logical reason that I can fathom for building houses that leak unnecessary amounts of heat when the technology to build them better doesn’t just exist but now costs virtually the same as building them badly. At the same time, incentives to improve existing houses don’t exist because why should landlords bother to properly retrofit when it’s the tenant who pays less on their bills and instead you could just jack up their rent because they have nowhere better to go.

This paper sought to solve both problems. It laid out the finances of building passive energy efficiency grade houses (though not necessarily the PassivHaus standard as there are other ways to achieve similar levels of efficiency) for social rented stock. I found that doing this could deliver houses cheaper than the private sector would while still being profitable for Local Authorities. This would mean Councils could build essentially unlimited social houses and outcompete the private sector in both price and in quality.

In 2022, I was asked at a fairly high profile public event if I could win just one policy in my political career, which would it be? I chose this one. It has the potential to not just reduce but to eliminate fuel poverty in Scotland and would leave a legacy lasting potentially centuries.

So imagine my shock and surprise that just a few weeks later, MSP Alex Rowley got in touch and took us up on that challenge, introducing a Members Bill to make passive energy efficiency the minimum standard for new homes in Scotland. The Government, facing a massive defeat if they opposed the Bill, did the smart thing instead by simply adopting it as Government policy. There’s still a long road to go in making it all happen but there’s an excellent chance that it will. I hope that I don’t only win one Government policy in my entire career, but if I do I’ll be happy if I only win this one.

ScotWind: Privatising Scotland’s Future Again – 2022

In January 2022, the Scottish Government announced that the Crown Estate Scotland (an arms-length org, but one owned by and accountable to Scottish Ministers since 2017) had completed its auction of options to develop what was then the world’s largest offshore wind project – ScotWind.

Basically, companies bid to buy the right to come up with a plan to develop a particular patch of seas and then they can choose to either return the right to the Estate or “exercise their option” and start the process of developing it. The Government PR machine went into overdrive to talk up the benefits of selling these options. Headlines touted the hundreds of millions of pounds that would flow into the Scottish Treasury and what could be done with it as well as promises around the ‘supply chain’ that would bring hundreds of jobs to Scotland.

But I was looking at the actual reports and things didn’t seem right. As it turned out, the auction was badly flawed. Rather than a traditional option where the highest bid wins or one where a lowest reserve price was set, this one had a maximum bid ceiling set on it. Every winning bid won their option at exactly the bid ceiling (suggesting they might have paid more). Other problems became evident, such as absolutely minimal protections that in many cases would make it cheaper to break those supply chain promises and to pay the fines than to actually fulfil them.

I very quickly put together a report of these findings and we published just a few days after the initial announcement. Instantly, the news coverage flipped from repeating the party line of the success of the auction to taking a more critical eye. The newspaper article covering my report ended up being the most read article in the Herald’s history of publishing online. My follow up report a year later revealed that Scotland has potentially lost out on billions or maybe even tens of billions of pounds by botching the auction the way it did and an investigation into what happened is now underway.

The Next Ten(?) Years

Obviously, my actual job at Common Weal has changed substantially over the decade. I spend more time now managing our Working Groups and the various other people working on policies than I do writing myself. I also keep up with contributions to our Daily Briefing and weekly Magazine (you are subscribed to both, aren’t you?) and I do a lot of outreach, networking and public engagements (want me to speak at your local campaign group about any of my work? Get in touch!). But, I’m still heavily involved in developing my own policies too and, as I say, I think you’re going to like the one I’ve got coming up next.

And so, where for the next ten years? Honestly, the unemployed laser engineer I was ten years ago couldn’t have predicted where I’d be today so who knows? I do know that I couldn’t have done it without you. It’s folk who support Common Weal with their £10/month that have let me do everything I’ve done and can support me and the rest of the team to keep doing it. So, as proud as I am to have done it all, I’m so grateful to have been allowed to do so. Thank you.

And here’s to the next decade, where ever it takes us.

Information is still not free enough

“Truth never damages a cause that is just.” – Mahatma Gandhi

This blog post is an extended version of an article that previously appeared in The National as part of Common Weal’s In Common newsletter.
If you’d like to support my work for Common Weal or support me and this blog directly, see my donation policy page here.

Long time followers will know of my personal conviction that democracy cannot exist without transparency. There is a long list of issues that this impacts. If we can’t see what Government is talking about. Who is talking to them. What money is being spent where. Where that money is coming from. How policies are being formed. How their impact is being measured. If any of these things are happening only behind closed doors, then we cannot properly hold Government to account or ensure that they are meeting their promises.

The current legislation around Freedom of Information in Scotland is decent but it is also out of date and needs reform and expansion. It was one of the first Bills passed by the recommenced Scottish Parliament, but it has been creaking at the seams for some time.

In 2019, the Post-Legislative Scrutiny Committee in the Scottish Parliament picked up the Freedom of Information (Scotland) Act – known in shorthand as FOISA – and decided to see where it could be updated. We were keen supporters of this process and you can see me give evidence to the committee here. Several areas of reform were identified including a major one where the increasing use of private companies and ‘arms-length’ bodies to deliver public services may be weakening the effect of our Freedom of Information.

One prominent and oft-cited example is that if a Local Authority owns a care home, then you have the ability to submit an FOI request to get information about the care home. However, if the Local Authority sells off that care home to a private company and then hires them to provide care services then you might find that you can’t submit the same kinds of FOI requests. You might also not be able to submit certain requests to the Local Authority such as a request to see the terms of the contract they signed to ensure that they’re not overpaying the private company for care as an FOI request of that kind can be blocked due to ‘commercial sensitivity’.

In this way, privatisation could well be used as a shield against freedom of information. If a corrupt or ill-willed public body wished to conceal something it was doing from view, then they could simply privatise it. The committee determined that there was therefore merit in the idea that the transparency should follow the public money, not the public bodies. That is, if a private company is using public money to deliver a service then it should be just as subject to Freedom of Information as if that service was being delivered ‘in house’ by a public body.

Unfortunately, the Scottish Government decided in the end to not do anything with the Committee’s recommendation to rectify this problem which prompted Labour backbench MSP Katy Clark to submit a Members’ Bill calling for reform of the legislation to strengthen FOI powers in this area. You can listen to my interview with her on the Bill in Episode 138 of the Common Weal Policy Podcast when she was just at the start of the process of introducing the Bill.

A consultation into her Bill has just concluded but we have submitted our response to it largely agreeing with its aims but calling for it to go further in a few areas.

One of these areas is in the concept of ‘proactive disclosure’. Right now, there is a great deal of information being held by Government that you could have put out into the public domain if you submitted an FOI request for it but, until someone does, it will remain secret. This is a problem. Public information should be public and not subject to the whim of someone, somewhere coming up with the appropriate question.

For example, perhaps you want to check to see if someone in particular has been lobbying the Scottish Government and might be doing it in a way that it doesn’t appear on the Lobbying Register. Emails are not Registered Lobbying in the same way that a face-to-face conversation is.

If an organisation doesn’t want you to know that they’ve been lobbying Government Minsters then keeping the conversations to email and phone calls is a decent way of doing it because you need to have some idea that they ARE lobbying Government before you can submit an FOI. Under the current Lobbying Register legislation, even if an organisation would WANT to disclose that information, they are not allowed to.

But let’s say you do have that idea and you decide that you do want to find out what Dr Craig Dalzell, Head of Policy & Research at Common Weal has been saying in email communications with Angus Robertson about the Scottish Government’s Independence White Papers, for example. That’s a perfect valid FOI request and those emails will be released. [I have no idea who submitted that FOI by the way, but it was a good one! Especially as it confirmed that Robertson knocked back Common Weal’s offer to advise on said White Papers given that we had already done the work for them]

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This Article Has Been [Redacted]

“Truth never damages a cause that is just.” – Mahatma Gandhi

This blog post previously appeared in Common Weal’s weekly newsletter. Sign up for the newsletter here.

If you’d like to support my work for Common Weal or support me and this blog directly, see my donation policy page here.

Source: Unsplash

The Scottish Government continues to show bad faith when it comes to Freedom of Information, spending more time and effort to conceal information than it would take to simply comply with the spirit of the legislation.

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Poor Show Swinney

“People almost invariably arrive at their beliefs not on the basis of proof but on the basis of what they find attractive.” – Blaise Pascal

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John Swinney claims to support the elimination of child poverty from Scotland, but he has admitted that he also believes – without actual evidence – that social security payments discourage poor people from working.

John Swinney’s only tangible policy on which he was elected as leader of the SNP and then First Minister of Scotland was a promise to eliminate child poverty. Note that he didn’t promise to reduce poverty or even to move faster than previous reduction targets (that he is so far failing to meet). He didn’t even, as his predecessor did, celebrate that child poverty in Scotland was merely a little lower than in England. He promised to eliminate child poverty. He has yet to explain “how”.

At the weekend, Swinney appeared to close down one of the tools that the Government has been using effectively to bring down child payment. The Scottish Child Payment is offered to adults who look after one or more children (the payment is on a per child basis – without the two-child limit seen in England) and who qualify for certain social security payments such as Universal Credit (if you think you might qualify you can check here). Frankly, the payment was brought in at a time and in a manner that stretches the devolved Scottish budget to its limits without the introduction of new taxes (such as our Land Tax) to pay for it but its impact on child poverty has been significant. The Scottish Government claims that the payment has contributed – along with their other poverty reduction policies – to lifting 100,000 children out of poverty.

Last weekend, Swinney announced that he was not considering further increases to the payment. Not, as might actually be reasonably defensible, on the grounds of budget constraints but because he believed that the payment was now high enough that a further increase would “reduce the incentive to actually enter the labour market.

In other words, he believes that increasing the child payment to £40 per week – something that the IPPR believes would lift another 20,000 children out of poverty – would discourage poor people from working.

This is, in short, complete crap. It is a claim that is not backed up by any data. In fact, if you have read my UBI article from the other week, you’d know that it is a claim that is completely countered by the facts. Giving people enough money to live on regardless of their life circumstances does not discourage people from working. In the most recent long-running study it was found that the total number of hours worked by UBI recipients did not change compared to their peers in the control group but that may did take the opportunity of the financial safety net to take a chance on a better paid, more worthwhile or more enjoyable job. Where studies have noticed UBI recipients dropping out of work it is almost universally not because “poor people are lazy and want to sit on the sofa” but because people use their safety net to study, to reduce hours as they run up to retirement or – pertinent to this article – to spend more time looking after their children.

With his comments, John Swinney is repeating the Conservative prejudice that the poor only work because it is marginally preferable to starvation and so any attempt to increase the number of workers in the economy can only be done by ramping up the costs of not working.

What Swinney is essentially saying is that while we shouldn’t have child poverty in Scotland, just bringing people to a penny over the poverty line would be enough for him, regardless of what that means for the people involved.

Cutting off the possibility of increases to social security because of self-imposed fiscal limits or rules (self-imposed even in this case not just because of slavish adherence to the philosophy of the 2018 Sustainable Growth Commission but due to a refusal to look at alternative mechanisms within devolution to increase revenue – see, again, our Land Tax) would be bad enough, but Swinney is making his case based on poverty being somehow the consequences of a lifestyle choice or moral failing. The poor, he apparently thinks, deserve their poverty unless they prove they are willing to not be poor.

This is a far cry from just a few years ago when there was a demonstrable majority across the Scottish Parliament for a guaranteed minimum income for all or a true Universal Basic Income (which probably explains the lack of push to bring in those policies).

The 2016 Holyrood elections are looming to the point of candidates being selected and manifestos being written. Swinney is obviously concerned enough about the rise of the far right to hold a summit about it (ineffectual as it was) but he surely must realise that the means of defeating the far right does not lie in gaming the political system to lock them out (see Germany), or in adopting their policies to try become them (see the UK) but in offering a real, credible alternative to Centrist Austerity and policy failure that leads to those populists gaining a base.

Instead of poor showmanship, Swinney could be providing leadership and actually taking action to meeting the goals he has set himself. The Scottish Government already has a poor track record of cancelling “inconvenient” government targets like climate emissions or reductions in car miles. Let’s not see the target of eliminating child poverty in one of the world’s richest nations become another one.

Scottish Budget 2024 – Still Spinning Plates

“Our economic models are projections and arrows when they should be circles.” – Wade Davis

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Finance Secretary Shona Robison must have breathed a sigh of relief at the UK budget the other month (covered by me here) but if she did, it was the shallowest one she could get away with. The extra money from the UK that has gone into this year’s Scottish Budget has largely been accounted for in terms of public sector pay deals and reserved tax rises applied to those wages (not that I’m complaining about those pay deals – quite the contrary, even with them many public sector works are still lagging behind fair pay after over a decade and a half of austerity) or has gone into replacing cuts from last year’s budget so it’s clear that despite the relative expansion to Scottish finances there still wasn’t going to be a huge amount of play in the figures to do much more than work a little less hard to keep all of the plates spinning in the air.

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The NCS Bill Still Isn’t Dead

“We are reluctant to quit things because we want to avoid the resulting heartbreak. The pain of failure is magnified by the sunk costs: all the time and effort and emotion you have already invested.” – John A. List

This blog post previously appeared in Common Weal’s weekly newsletter. Sign up for the newsletter here.

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The Scottish Government has announced that the National Care Service Bill shall remain in limbo for an unknown period of time.

While Common Weal and many other stakeholders pulled their support for the Bill as written (though we have not pulled our support for a National Care Service – just the one this Bill would have created) the death knell for the proposed legislation was the Scottish Green conference the other week where members voted to pull their support for the Bill. This should have been a point of change. Indeed, there had already been enough pressure placed on them to force that change long before now but I have a nagging feeling that this announcement came now not because they recognise the flaws in their legislation or even that they’ve acceded to demands from care stakeholders – including the people who NEED the care that the NCS will deliver – but that they’ve merely looked at the Parliamentary maths faced by a now-minority Government and are doing what they need to do to not lose a vote. It might yet be a step along the way of getting what we want but it’s not exactly a shining example of priorities and principles rising above party politics.

Nevertheless, after fighting against (rather than, as we’d prefer, for) the NCS Bill we’re now at a point where we should be focussing on actually improving care rather than fixing care legislation.

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The Climate Climbdown

“If a pandemic can induce governments to take emergency actions, why can’t a climate breakdown that threatens to kill off the very life-support systems of the planet do the same? After this, there can be no more excuses for passivity.” – Andreas Malm

This blog post previously appeared in The National as part of Common Weal’s In Common newsletter.
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Scotland – once a nation that held itself up as a world leader in climate ambitions – has formally repealed important carbon emission targets in a vote that would have had unanimous support but for the abstention of the Greens.

The Scottish Government still holds that Scotland will be a “Net Zero” nation by 2045 but has yet to demonstrate how we will actually reach that goal, especially as interim targets like the 2030 target just repealed continue to be missed.

To be clear on why this vote took place, the Scottish Government put the target into actual legislation as a show of force on its climate ambitions. A “mere” government policy target could have simply been broken and forgotten about as is all too common amongst governments of all colours but once placed in law, the government would have been acting unlawfully if the target was missed.

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Scotland’s Population

“Look again at that dot. That’s here. That’s home. That’s us. On it everyone you love, everyone you know, everyone you ever heard of, every human being who ever was, lived out their lives.” – Carl Sagan

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Every year the National Records of Scotland produces an annual population estimate for the nation. While not quite as comprehensive as the once-per-decade census (at least, when the census isn’t marred by the problems of the 2022 Scottish census), it provides a good rolling picture of Scotland’s population both at a national level and at a more local level both on the scale of Local Authorities and per NHS Health Boards (the latter being important for the allocation of healthcare budgets and is gathered because one of the tools used to estimate population change is the number of people who present to the NHS with an illness or injury in a given year). Indeed, a report was published in March comparing the rolling mid-year estimate to the 2022 census and found that the estimate was within around 1% of the census value (which is a fair bit more precise than, say, the 3.4% margin of uncertainty in the revenue estimates in GERS).

The headline figure you’ll have gathered from the news is that Scotland’s population is growing faster than it has since the end of the Second World War (itself a statistical glitch as many thousands of soldiers returning all at once tended to bump the numbers) and that the growth rate is being driven by immigration to Scotland.
I fully expect that line to get more negative attention than it should given the rabidly anti-migrant stance that the UK is rapidly slipping down, driven by increasingly extreme social media cesspits – certainly a view backed up by the fight going on in the comments section of the BBC article reporting on the new figures – so it’s worth doing the thing I often do with reports like this and taking a dip beneath the headlines for a more detailed and nuanced view of Scotland’s changing demographics.

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We Support An NCS – But Not Like This

“It’s easy for common people to say what they think about the government. No one listens to them.” – Ljupka Cvetanova

This blog post previously appeared in The National as part of Common Weal’s In Common newsletter.
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So NOW the Scottish Government wants to talk?

In the wake of Cosla withdrawing their support for the National Care Service Bill, the Scottish Government has called for talks to resolve the dispute and to help get their flawed Bill across the line.

The problem is that there’s very little trust left among stakeholders in the care bill – including campaigners like Common Weal. We sympathise with Cosla who were placed in a very difficult position right from the start. Common Weal cannot support the Bill in its current form, or even if the Scottish Government’s proposed Stage 2 amendments pass as they currently are. We, too, are forced to say now that the Bill needs to be massively overhauled or killed and started again.

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The Devolution Deficit

“Humanity’s true moral test, its fundamental test…consists of its attitude towards those who are at its mercy” – Milan Kundera

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Despite plenty of warning before the elections, new Chancellor Rachel Reeves has suddenly discovered a massive “hidden” black hole in the UK’s finances and she needs to make “difficult choices” to fix it. This is hardly to excuse the last 14 years of Conservative rule – it’s not as if they made a particular secret about their attempts to hollow the nation out for their own benefit – but as Robin has explained, political figures never seem to make “difficult choices” that would make things difficult for those who can afford it.

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