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(Click for frequent words.) 66 BERR 65 DIUS 64 DCMS 64 HMRC 62 DfES 61 Operational Efficiency Programme 61 Chancellor Alistair Darling 61 FSCS 61 Regulatory Reform BERR 61 devolved administrations 60 Exchequer 60 HEFCE 59 Pre Budget 59 DBERR 59 DBIS 59 DCSF 59 Alistair Darling 59 £ #bn [002] 58 chancellor Alistair Darling 58 CIPFA 58 Pensions Regulator 58 George Osborne 57 Pensions Regulator TPR 57 Directgov 57 UKFI 57 Northern Rock 57 David Gauke 57 FCO 57 Hefce 56 Comprehensive Spending Review 56 ODPM 56 FSA 56 £ #bn [001] 56 DfT 56 NAPF 56 HBOS 56 OFMDFM 56 Pension Regulator 56 HBoS 56 Defra 56 £ 5bn 55 Skills BIS 55 Myners 55 DCLG 55 Capacitybuilders 55 Treasury 55 Tripartite Authorities 55 DETI 55 minister Alistair Darling 55 MoJ 55 Calman Commission 55 Welsh Assembly 55 Alastair Darling 55 DEFRA 55 CP#/# 55 IoD 54 Tax Simplification 54 NAO 54 Fossil Fuel Levy 54 Sir Gus O'Donnell 54 Lord Mandelson 54 Exchequer Alastair Darling 54 Higher Education Funding 54 Innovation Universities 54 RBSG 54 OFT 54 British Bankers Association 54 Lloyds 54 LGPS 53 Exchequer Darling 53 Gershon Review 53 prudential borrowing 53 Mr Spellar 53 Vince Cable 53 Chancellor Alastair Darling 53 Exchequer Alistair Darling 53 exchequer Alistair Darling 53 Remuneration Code 53 Derek Brownlee 53 Lord Myners 53 Ofgem 53 HMIC 53 Consultation Paper 53 GBP#bn [001] 53 OFGEM 53 £ #billion [002] 53 Gordon Brown 53 Lloyds TSB 53 Alistair Darling chancellor 53 Gowers Review 53 NCVO 53 EHRC 53 Skills DfES 53 Auditing Practices Board 53 FoI Act 53 Bundred 53 FSSC 53 Commerce OGC 53 Gauke 52 Stewardship Code 52 Lord Falconer 52 CLG 52 Budget Responsibility 52 Equitable Life Payments 52 devolved Administrations 52 quangos 52 Equalities Review 52 Financial Regulator 52 £ #.#bn [003] 52 MoD 52 bonus supertax 52 Government Actuary 52 Special Liquidity Scheme 52 GBP#.#bn [001] 52 Lord Sassoon 52 Sir Derek Wanless 52 Ofcom 52 Amyas Morse 51 £ #.#bn [006] 51 Baroness Vadera 51 Chancellor Alastair 51 Devolved Administrations 51 Treating Customers Fairly 51 Authority FSA 51 Con Lib 51 quango 51 Decc 51 NHS 51 £ 6bn 51 Mr Hain 51 Derek Wanless 51 CIOT 51 Downing Street 51 Phil Hodkinson 51 OSCR 51 Paul Myners 51 Employment Tribunals 51 Crown Dependencies 51 Socitm 51 Calman proposals 51 Carbon Reduction Commitment 51 Treasury Yvette Cooper 51 SFLG 51 communications regulator Ofcom 51 Mr Raynsford 51 Shadow Chancellor George 51 PfS 51 Francis Maude 51 COSLA 51 Ed Balls 51 Queen Speech 51 £ 4bn 51 NPRF 51 Fund PPF 51 cashable savings 51 Philip Hammond 51 Families DCSF 51 Shout# 51 chancellor Alastair Darling 51 Broadband Stakeholder Group 51 secretary Vince Cable 51 GFSC 51 ring fenced 50 eGov monitor 50 Insolvency Service 50 OGCbuying.solutions 50 £ #billion [001] 50 Export Credits Guarantee 50 HM Revenue & 50 Lloyds Banking Group 50 Paymaster General 50 DHSSPS 50 LEPs 50 GBP#bn [002] 50 PPF levy 50 Renewables Obligation RO 50 HEFCW 50 Pounds #bn [001] 50 Pension Funds NAPF 50 PFI schemes 50 Stewart Hosie MP 50 Compensation Scheme FSCS 50 Transport DfT 50 NESTA 50 £ 2bn 50 Mr Blunkett 50 Harriet Harman 50 FSCS levy 50 BoE 50 Shadow Chancellor Oliver Letwin 50 Inland Revenue 50 Money Laundering Regulations 50 Mais lecture 50 Budget Responsibility OBR 50 Renewables Obligation 50 Mr Letwin 50 Highways Agency 50 Low Carbon Transition 50 Dawn Primarolo 50 Determinations Panel 50 Lloyds HBOS 50 NDPBs 50 Adair Turner 50 Taxation CIOT 50 Equitable Life 50 stakeholder pensions 50 £ 3bn 50 Apcims 50 NDPB 50 Royal Mail 50 Consultation Document 50 Peter Hain 50 LloydsTSB 50 Holtham Commission 50 UKLA 50 TfL 50 Commerce BCC 50 £ 8bn 49 ISAs 49 British Insurers ABI 49 Equitable Life policyholders 49 YPLA 49 Shadow Chancellor 49 BDO Stoy Hayward 49 IR# [003] 49 £ 1bn 49 Futurebuilders 49 ECGD 49 IAASB 49 shadow chancellor 49 PSNB 49 noble Baroness 49 quangoes 49 NHSLA 49 Property Federation BPF 49 Pensions Ombudsman 49 Vaizey 49 Barnett consequentials 49 Cattles 49 Exchequer George 49 occupational pensions 49 Written Ministerial 49 Statutory Instruments 49 Becta 49 ESRC 49 £ 7bn 49 Regulatory Reform 49 ACPOS 49 Credit Institutions Stabilisation 49 GBP2bn 49 Ms Harman 49 ippr 49 Citizens Advice 49 Climate Change DECC 49 Mr Salmond 49 Parliamentary Ombudsman 49 Tax Simplification OTS 49 pension schemes 49 ELWa 49 Lib Dems 49 Cosla 49 Network Rail 49 Lord Rooker 49 Nick Ainger 49 FSCS levies 49 Justice MoJ 49 Crown Estate 49 Regulatory Impact Assessment 49 Mr Gauke 49 GBP#m [001] 49 Lord Eatwell 49 SCVO 49 Scottish Widows 49 FE colleges 49 IFAonline 49 Gavin McCrone 49 ONS 49 OBR forecasts 49 Cash ISAs 49 ICAEW 49 Sport DCMS 49 CFEB 49 FoI request 49 GBP#.#bn [002] 49 NHS Trusts 48 SORP 48 Competent Adviser 48 Compensation Scheme 48 Peter Mandleson 48 UUK 48 ITEM Club 48 APCIMS 48 StartUp Britain 48 FSA Sants 48 Gus O'Donnell 48 Landsbanki Guernsey 48 SEEDA 48 TheCityUK 48 Heritable Bank 48 Actuarial Profession 48 LibDems 48 triennial valuation 48 Stuart Etherington 48 JISC 48 RDAs 48 FRSSE 48 GBP# [001] 48 Renewable Obligation 48 occupational pension 48 Brookson 48 forthcoming Comprehensive Spending 48 Listing Authority 48 SIPPs 48 LLUK 48 Financial Investments UKFI 48 prebudget report 48 NHS Choices 48 IFAs 48 BVCA 48 Elwa 48 PSNCR 48 Lyndon Trott 48 Wales HEFCW 48 mutuals 48 non domiciliaries 48 Mattioli Woods 48 FRS# 48 Government Equalities 48 Lord Goldsmith 48 Mersey Gateway Project 48 Acas 48 BoSI 48 Regulatory Reform DBERR 48 Mortgage Lenders CML 48 £ #.#bn [004] 48 Pensions DWP 48 FRRP 48 mutualisation 48 Lloyds TSB HBOS 48 Mr Sants 48 Amyas Morse head 48 LITRG 48 DFID 48 FSCP 48 PMS replied 48 SMMT 48 Mr Straw 48 ABSs 48 macro prudential regulation 48 Prof Midwinter 48 £ #.#bn [001] 48 FoI requests 48 Mr Lenihan 48 NHS Commissioning Board 48 TUC 48 PFI PPP 48 DfID 48 HMSO 48 Oxera 48 EEDA 48 Holyrood 47 Boiler Scrappage Scheme 47 Acevo 47 Sir Kenneth Calman 47 SEELB 47 GEORGE OSBORNE 47 SHAs 47 Hector Sants 47 Gieve 47 Actuarial Standards 47 RBS Lloyds 47 OFCOM 47 Practitioner Panel 47 Acpos 47 Pounds #bn [002] 47 minister Stephen Timms 47 Exposure Draft 47 HM Revenue 47 Robert Peston 47 Equitable Life debacle 47 Equalities Office 47 Identity Cards Bill 47 Sir Gus 47 Lord Penrose 47 Robin Budenberg 47 Mr Hoon 47 Ofqual 47 minister Yvette Cooper 47 CIPD 47 £ 9bn 47 energy regulator Ofgem 47 WLGA 47 Lord Hutton 47 Bridget Prentice 47 Stephen Bubb 47 Amending Directive 47 UK 47 Huhne 47 Lib Dem Vince Cable 47 Carbon Reduction Commitment CRC 47 £ #.#billion [001] 47 gilt issuance 47 TUPE 47 NIESR 47 Icas 47 Voluntary Organisations 47 £ #m [001] 47 Isas 47 LBRO 47 Threadneedle Street 47 AIRMIC 47 Treasury Stephen Timms 47 ATVOD 47 PCTs 47 #-# Darkes Lane 47 Warm Front 47 Private Rented Sector 47 Qualifying Recognised Overseas 47 shadow chancellor Alistair 47 UKCES 47 Sir Reg 47 LOCOG 47 Jacqui Smith 47 Moneymadeclear 47 Prompt Payment Code 47 Finance Brian Lenihan 47 payments association Apacs 47 Mr Lansley 47 Lloyds Banking 47 QCDA 47 Mark Prisk 47 Punter Southall 47 Tory Lib Dem 47 Towergate Financial 47 NHS Confederation 47 Serious Organised Crime 47 APACS 47 Mr Shapps 47 UKTI 47 Jobcentre Plus 47 GBP1bn 47 Deposit Guarantee Scheme 47 governor Mervyn King 47 UCITS IV 47 RBS 47 England Hefce 47 Mervyn King 47 Mouchel 47 Voluntary Organisations NCVO 47 Solicitors Regulation Authority 47 PFI 47 Hymans Robertson 47 devolved assemblies 47 Lord Adonis 47 LACORS 47 minister Francis Maude 47 PFIs 47 Overseas Territories 47 EDDC 47 Lord Layard 47 Baroness Hollis 47 £ #.#tn 47 AIFMD 47 International Development DfID 47 DfE 47 HS2 Ltd 47 APSCo 47 Oliver Letwin 47 £ 5billion 47 CFDG 47 Hitrans 47 One NorthEast 46 Michael Gove 46 Occupational Pensions Regulatory Authority 46 Wiley Chichester 46 PPRS 46 LGIM 46 LLoyds TSB 46 Government CLG 46 Throgmorton Trust 46 Mr Elderfield 46 DARD 46 ACPO 46 Stewart Hosie 46 Government DCLG 46 Rail Regulator 46 CEBR 46 Deposit Guarantee Schemes 46 Minister Stephen Timms 46 GBP# [003] 46 RBS LON RBS 46 VCTs 46 Peter Gershon 46 prudential regulator 46 FINANCIAL SERVICES AUTHORITY 46 Sir Digby 46 £ #.#bn [005] 46 Localism Bill 46 Alex Salmond 46 Energy Efficiency Scheme 46 Malcolm Wicks 46 Watmore 46 NLGN 46 CTFs 46 Voluntary Sector 46 compulsory annuitisation 46 Equalities 46 quango cull 46 CITB ConstructionSkills 46 Schools PfS 46 Accountancy Age 46 Lexton Snol PC 46 £ #.#trn 46 Yvette Cooper 46 Shapps 46 GBP #bln [001] 46 Close Brothers 46 Futurebuilders England 46 ODCE 46 RTFO 46 UNISON 46 DirectGov 46 Climate Impacts Programme 46 Secretary Lord Mandelson 46 macro prudential 46 BDO LLP 46 Baroness Neville Jones 46 CEHR 46 Ms Blears 46 RMIF 46 4ps 46 Non Departmental 46 Dfid 46 Crossrail 46 Development CIPD 46 Housebuilder Barratt 46 Discussion Paper 46 DCAL 46 BT Pension Scheme 46 Invocas 46 Mr Djanogly 46 Governor Mervyn King 46 Kitty Ussher 46 GPhC 46 CPPR 46 KiwiSaver scheme 46 Transformational Government 46 John Spellar 46 spokesperson Stewart Hosie 46 regulator Ofgem 46 Mr Clappison 46 Beachcroft LLP 46 ECOFIN 46 David Kenmir 46 Shriti Vadera 46 Oftel 46 minister Grant Shapps 46 SDSR 46 Tertiary Education Strategy 46 Kaupthing Singer & 46 BECTA 46 PPP PFI 46 Carers Strategy 46 Directors IoD 46 Fiscal Studies 46 Chartered Institute 46 DVLA 46 headteachers 46 Depute Leader 46 Covered Bonds 46 ringfenced 46 mutualised 46 LABGI 46 Tynwald 46 Management Agency NTMA 46 RSM Tenon 46 Forth Replacement Crossing 46 Public Contracts Regulations 46 Mr Huhne 46 4iP 46 ACEVO 46 NHS trusts 46 Aggregates Levy 46 Bribery Act 46 CLRG 46 Gareth Fatchett 46 CSR# [001] 46 Comhairle 46 Whitehall mandarins 46 Mr Touhig 46 AGIMO 46 RPSGB 46 Ms Ussher 46 Education DfE 45 Conservatives.com 45 Baroness Noakes 45 Customs HMRC 45 Pupil Premium 45 Sipps 45 Labour MPs 45 FDs 45 Civil Contingencies Bill 45 Fair Trading OFT 45 Finance Guarantee EFG 45 Baroness Royall 45 Mr Alambritis 45 Stamp Duty Land 45 Kensington Mortgages 45 Saffery Champness 45 Jane Hutt 45 Quangos 45 AVCs 45 Capita 45 Unbiased.co.uk 45 SL.L 45 Lord Mandleson 45 Sportscotland 45 Lord Oakeshott 45 Mr Starmer 45 Tamworth Borough 45 Research CEBR 45 Moneynet.co.uk 45 Mr Lazarowicz 45 Mortgage Intermediaries AMI 45 Building Societies 45 Scotland ACPOS 45 Colin Challen 45 G# communique 45 Ufi 45 Rowanmoor 45 £ 2billion 45 Tim Loughton 45 Gerry Holtham 45 GBP#.# billion [002] 45 Railtrack 45 Anne Craine 45 Crown Dependency 45 Pension Protection 45 BBSRC 45 Acpo 45 Moneysupermarket.com 45 GBP #bln [002] 45 BSIA 45 Burges Salmon 45 AOFM 45 Her Majesty Stationery 45 bln stg 45 HBOS Lloyds 45 & Customs HMRC 45 Postcomm 45 IFSRA 45 SSRB 45 Minister Audley Shaw 45 Bòrd na Gàidhlig 45 ABPI 45 British Waterways 45 CAFCASS 45 Keydata 45 Wales ICAEW 45 Charity Regulator 45 Unclaimed Assets 45 QROPS 45 Bord Snip 45 Office NAO 45 OfCom 45 microgeneration 45 e GIF 45 £ 7billion 45 NLWA 45 NHS Lanarkshire 45 FRSB 45 PbR 45 SABIP 45 Exchequer Gordon Brown 45 Ms Jowell 45 £ #.#billion [003] 45 detailed costings 45 Tenancy Deposit Scheme 45 Mr Prisk 45 Moneyextra 45 Huw Irranca Davies 45 Shetland Islands Council 45 gilts 45 Individual Savings Account 45 PCeU 45 Con Dem 45 BWEA 45 Christine Farnish 45 Hélène Mulholland 45 cebr 45 Alcohol Harm Reduction Strategy 45 NPSS 45 Blake Lapthorn 45 Rosie Winterton 45 Nick Clegg 45 Tods Murray 45 Electronic Tenders 45 David Blunkett 45 Try BetClic 45 underspend 45 minister Lord Myners 45 NatWest 45 Ceiops 45 Begbies 45 CISI 45 Justine Greening 45 EFRBS 45 Occupational Pensions 45 Ghana GoG 45 Mortgage Arrears 45 OBR 45 DDRB 45 GBP3 45 Seafish 45 housebuilding 45 Antony Savvas Computerworld 45 Lady Vadera 45 GBP4m 45 Mr Clegg 45 Financial Advisers Aifa 45 MiFID 45 Mr MacAskill 45 Secretary Andrew Lansley 45 Arthur Midwinter 45 Nicola Sturgeon MSP 45 Civil Contingencies Act 45 â ¬ #bn 45 PSHE 45 Steeles Law 45 Robert Chote 45 Labour 45 Ed Bowsher 45 OFWAT 45 non domiciles 45 BELB 45 Oliver Heald 45 Fraud Advisory Panel 45 GBP4 45 Civil Contingencies Secretariat 45 DWP 45 Hbos 45 Telecoms regulator Ofcom 45 CfH 45 Age Discrimination Regulations 45 CIPR 45 Shadow chancellor 45 NHS Tayside 45 ARLA 45 Towry Law 45 PPP Arbiter 45 David Willetts 44 Gift Aid 44 NBPE 44 Capability Reviews 44 Fair Fuel Stabiliser 44 Rural Affairs DEFRA 44 BECTU 44 Tatton MP 44 OSFI 44 Convergence Programme 44 £ #.#bn [007] 44 Incentive RHI 44 Housing CIH 44 Self Invested Pension Plan 44 Pinsent Masons 44 Peter Housden 44 IFA Promotion 44 PPS# 44 Lord Maginnis 44 Ms Farnish 44 PMS savers 44 FirstBuy scheme 44 expert Ros Altmann 44 de Larosière 44 unbiased.co.uk 44 SAYE schemes 44 Pension Schemes 44 uswitch.com 44 PSNI 44 Thinc Group 44 Scotland Acpos 44 Jack Straw 44 Moneysupermarket 44 Garnaut Review 44 HICL 44 Syscap 44 Individual Savings Accounts 44 UK# [001] 44 £ 8billion 44 Scottish Amicable 44 Nils Pratley 44 Joanne Segars 44 OFRs 44 Constabularies 44 Kiwisaver 44 GBP8 44 TDX Group 44 Stephen Timms 44 Baroness Andrews 44 AADB 44 Mr Poots 44 Telephonetics 44 Scottish Equitable 44 Atomic Energy Authority UKAEA 44 Slough Borough Council 44 RBSI 44 Parthasarathy Shome 44 Dius 44 unelected quangos 44 Primary Care Trusts 44 Shadow Cabinet 44 GBP#.# Billion [002] 44 Serious Fraud Office 44 Financial Inclusion Taskforce 44 Hon BILL ENGLISH 44 Cater Allen 44 £ 6billion 44 prudential regulation 44 association APACS 44 telecoms regulator Ofcom 44 DMGT 44 Labour Plaid 44 Geoffrey Dicks 44 GBP#m [002] 44 Skipton Building Society 44 Arbuthnot Banking 44 Loan Guarantee Scheme 44 Invu 44 Jelf Group 44 sickness absence 44 Ann McKechin 44 £ 3billion 44 Baroness Thornton 44 KiwiSaver 44 RLAM 44 DUP 44 Nuclear Decommissioning Authority 44 Kevin Dunion 44 NWDA 44 Faster Payments Service 44 Shadow chancellor Alistair 44 Staffordshire Connects 44 Leader Harriet Harman 44 Employment Confederation REC 44 Pensions 44 Skills DIUS 44 Bagehot 44 GBP#.# [003] 44 Association IMLA 44 Callum McCarthy 44 ALISTAIR Darling 44 CoRWM 44 Hargreave Hale AIM VCT 44 BBPA 44 NPfIT 44 think tank Civitas 44 Ssas 44 Primary Care Trusts PCTs 44 BBA Libor 44 IDeA 44 Bellwin 44 Empty Homes 44 Agency IDeA 44 Biggart Baillie 44 Estate Practitioners 44 Baronsmead 44 Scrutiny Committees 44 £ #.#m [002] 44 3i Infrastructure 44 National Statistics ONS 44 Small Businesses FSB 44 Locog 44 Explanatory Notes 44 Personal Accounts 44 CSSIW 44 Her Majesty Revenue 44 Budgetary Responsibility 44 Professor Honohan 44 Nick Prettejohn 44 Bill Esterson 44 ConDem 44 Dame Suzi Leather 44 Rural Affairs Defra 44 Miss Blears 44 DoH 44 Nigel Dodds 44 Ofwat 44 Unlock Democracy 44 postal regulator Postcomm 44 swingeing 44 UKFC 44 NHS CFH 44 Hassan Mirza Gay.com 44 NIO 44 IASB FASB 44 Baroness Symons 44 Eaga 44 Policing Board 44 Taper Relief 44 £ 1trillion 44 Identity Scheme 44 Cipfa 44 GBP#.#b 44 Sir Emyr 44 ADZs 44 Amlin plc 44 swingeing cuts 44 John Plender 44 IPPR 44 JCHR 44 TUPE regulations 44 Whittingdale 44 Depositors Compensation Scheme 44 ITNET 44 ICTU 44 Lord Filkin 44 Fidelity FundsNetwork 44 FTfm 44 Cafcass 44 bankers bonuses 44 VED bands 44 Tfl 44 FundsNetwork 44 specie transfers 44 PAYE 44 FNZ 44 employer PRSI 44 IMLA 44 Joseph Rowntree Foundation 44 Chris Tilly IGN 44 Rt Hon Lord 44 Mrs Gillan 44 EERA 44 Andrew Lansley 44 BPIF 44 Consumer Panel FSCP 44 gilts maturing 44 Andy Hornby 44 SDRT 44 Solvency II Directive 44 £ 4billion 44 Prof Honohan 44 Liberal Democrat 44 FTSE# [002] 44 Matthew d' Ancona 44 nondoms 44 Postwatch 44 ConstructionSkills 44 EEAS 44 Secretary Vince Cable 44 Accountancy CIPFA 44 BofE 44 HSE 44 Minister Lyndon Trott 44 GBP1 44 Virgin Media 44 Dominic Grieve 44 Assureweb 44 Severn barrage 44 Barclays Stockbrokers 44 Stephen Haddrill 44 SNP manifesto 44 Barbour ABI 44 Ian Watmore 44 minister Malcolm Wicks 44 UKTI DSO 44 Salmond 44 Mark Lazarowicz 44 Rob Burman IGN 44 Crofting Reform Bill 44 Her Majesty 43 GBP 43 LEAs 43 Invoice Finance 43 QFCRA 43 Emma Boyes GameSpot 43 Patricia Hewitt 43 Terry Le Sueur 43 £ #.#m [005] 43 NHS Grampian 43 YJB 43 consultees 43 Lloyds TSB Corporate 43 Banking ICB 43 Lord Donoughue 43 Superannuation Bill Shorten 43 Secondment 43 Ofsted 43 COPFS 43 Eric Pickles 43 UKIPO 43 Lord Darzi NHS 43 accountants PriceWaterhouseCoopers 43 minister Nick Raynsford 43 Opposition Benches 43 Preventing Violent Extremism 43 INBS 43 Minister Rosie Winterton 43 PMOS replied