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Cullen is a bit of a dilemma. Lacks the pace and creativity to be a winger and not big or strong enough to play a lone central striker role. 10 looks like his best position but I think Franco is a much better all round player, for example.
I don't know enough about the health of the 'playing pyramid' in Wales but the regions have struggled against international opposition for a number of years and with the WRU are struggling to manage their responsibilities it feels like we are in for a rough few years?
I think there is clear subjectivity here, particularly around the words ' could result in further escalation '. Imagine having your life chances affected by someone's subjectivity when you have not committed an offence.
We all they are investigating non crime and if you are found not guilty of a non crime it goes on your record that you have been investigated and so appears on any disclosure and barring check done on you in the future.
We are not fussy, although we don't allow UK companies to sell arms to Iran, UK Universities are helping Iran with drone research, Iran sells drones to Russia we supply Ukraine with the weapons to shoot them down.
Those of us with young girls in our family or those, like teachers, who work with young people will know that these ages are totally nappropriate inappropriate. Most countries have settled on 18 years old for marriage, there is no age of consent in places like Iran as sex outside marriage is illegal, you can marry at 13 there, younger if your father gives consent.
Australian funds are defined contribution, the LGPS is defined benefit. In DC schemes poor investment performance results in lower pensions, in DB schemes poor investment performance results in the need for additional funding to meet defined liabilities. Much bigger risk playing with DB schemes. There is money to be made in the City on the back of these changes, we will see optimism bias at the start of all this and buyers remorse when you get a downturn in the investment cycle. Many stock markets including the USA are over priced, the likes of Buffet are selling at the present.
The pension proposals have ' risk ' written all over them. A couple of poor big investment decisions will cost the tax payer billions and billions. Diversification is key in pension fund management rather than consolidation. I predict investment mistakes or a market downturn will mean scaling back of pension benefits and increases in contribution rates.
It's amazing that DEFRA got consulted the day before the budget, first rule of change is to involve those impacted by the change in the design of the solution.
I think I saw a reference in the Spectator, but. I found this guy when I Googled again just now, he is a practicing barrister so should not be too wacky.
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