14:31 Tony Cunningham (Copeland) (Lab)

I have a few ideas for the Minister from constituents—people such as Sue Cashmore and Michelle—about how insurance can be developed. I will not go through those ideas now, but leave them with the Minister. I ask him to take serious cognisance of them, because local people often have some very good ideas. I also had a visit from the CBI recently. It had concerns about climate change and small businesses, and perhaps I can pass on its comments and questions to the Minister.

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