ConservativeHome's ToryDiary

George Osborne demands Lord Myners' resignation unless he can prove he didn't lie to Parliament

Senior members of the Opposition do not demand resignations of Government ministers lightly.

You generally need to wait until you know that the individual is skewered and then go for the kill. Former shadow home secretary David Davis is a past master at the art.

And this afternoon, George Osborne has opted to turn the screw on Lord Myners, the Treasury minister who has previously claimed to Parliament (in the House of Lords and through evidence to the Treasury select committee) that he did not know about the details of Sir Fred Goodwin's RBS pension.

Yet today Sir Tom McKillop, the former RBS chairman, has written this letter to the Treasury select committee in which he asserts that Lord Myners had not "accurately represented" what he knew.

The senior Tory on the committee, Michael Fallon, has already said today that "the decent thing" for Lord Myners to do would be to resign.  And George Osborne now senses blood.

In a Commons debate on the economy, he invited Chancellor Alistair Darling to agree that:

"...unless Lord Myners can, by the end of the day, prove that what he told the Treasury Select Committee was true, he has to resign".

The Chancellor's reply hardly demonstrated full support for his ministerial colleague:

“I know the letter sent by Sir Tom McKillop has been published. We are considering that and we will consider it and respond to it….”

That hardly amounts to the "full confidence" a Downing Street spokesman said that the Prime Minister had in Lord Myners at the end of February.

Jonathan Isaby

Liberal Democrats are stirring up "hatred" towards Israel

Israel is a democratic oasis in a desert of totalitarianism. Iran's steady march towards becoming a nuclear power poses an existential threat to the Jewish state. But, it appears, the Liberal Democrats - always capable of the dirtiest campaigning - don't believe Israel should be helped by the west to defend itself.

Not for the first time Liberal Democrats are using anti-Israel leaflets to try and win votes in Muslim-rich wards.  Chris Philip, our PPC in Hampstead and Kilburn, has drawn ConHome's attention to another LibDem candidate that is stoking up anti-Israel feeling:

Submit your questions for the candidates standing to be chairman of the National Conservative Convention

Yesterday we published my interview with Don Porter, who is next month stepping down after three years as chairman of the National Conservative Convention.

On Monday, nominations close in the race to be his successor as the most senior member of the voluntary party and all three candidates expected to be contesting the election have agreed to answer a selection of questions from ConservativeHome readers. The three declared candidates to date are Sir Graham Bright, Jeremy Middleton and Simon Mort.

As Don explained yesterday, the role involves a seat on the Party Board (and being Deputy Chairman of that body) and acting as a voice of the grassroots to the party leadership, parliamentarians and party employees through regular meetings with David Cameron and others.

So what issues would you like to raise with the candidates for the post?

The candidate selection process?
The role of members' in policy-making?
The future of party fundraising?
Communication within the Party?

Submit your questions as comments below or by emailing me and I will send a selection to the candidates on Thursday for publication on Monday.

Jonathan Isaby

87% of Conservatives members would like Dan Hannan to have prime speaking slot at Party Conference

To Eric Pickles MP, Conservative Party Chairman

Dear Eric,

Thanks for last night's drinks party and for the great crowd you gathered together.  As I was leaving I got caught up in the CS gas incident.  I couldn't quite identify the individual being pinned down by three policeman but did see at least ten police officers running down the corridor to the scene.  Something of an over-reaction?  A party to remember anyway!

But that's not the reason I'm writing to you.

We polled Tory members in our regular survey yesterday and 1,215 people have already voted.  Although the survey is still open, one result is so overwhelming I thought I'd share it with you now.

89% of those polled had watched Dan Hannan MEP's great speech attacking Gordon Brown's record.  87% agreed that Dan should get "a prime speaking slot at this autumn's Conservative Party Conference".

Members don't get much involvement in Party Conferences anymore and so close to a watershed General Election - as the next will be - the need for stage management is understandable but it would be a real treat for the grassroots to hear Dan speak from the main platform this year.  A barnstorming attack on Mr Brown from Dan - clearly a very gifted speaker - could be a great booster for the whole conference.

Could you and the Party Board make this happen?

Best wishes, Tim

Tim Montgomerie

The survey is still open on the Dan Hannan and other questions for those yet to have their say.

New ComRes poll puts Tory lead at 12%

A new ComRes poll for tomorrow's Independent has the parties on the following standings:

Also of interest will be the questions on the economy, notably the last, which suggests that the public is increasingly unconvinced by the massive borrowing upon which the Government is embarking:

"Gordon Brown has the right policies to get Britain out of recession"

• Agree - 31%
• Disagree - 58%

"Gordon Brown should focus more on finding a domestic solution to the economic crisis than a global one"

• Agree - 72%
• Disagree - 22%

"I am optimistic that the economy will improve before the end of this year"

• Agree - 27%
• Disagree - 70%

"The Government is right to increase borrowing by billions to boost the economy even if it means future tax rises"

• Agree - 30% (down from 33% in January)
• Disagree - 62% (up from 60% in January)

Jonathan Isaby

Philip Hollobone MP still employs no staff and five Tory MPs claimed no housing allowance whatsoever last year

Today the House of Commons has published the table of MPs' allowances for 2007-08.

The expenditure on housing, staffing, office and communications allowances can be viewed here and travel expenditure can be viewed here.

They are not in excel format so are not easy to sort, but several little nuggets intially jump out at me: Thanks to Norm Brainer for pointing out this link which does have them in Excel format!

Kettering Tory MP Philip Hollobone (pictured above) remains the one MP not to employ any staff as a matter of course. He claimed a mere £400 in staffing costs, whereas most if his colleagues spent the lion's sagre of the £90,505 available. I have stated my views about this before here.

Only nine of the 570 MPs with constituencies outside of London claim not a penny to cover a second home, of which five are Conservatives:

• Adam Afriyie (Windsor)
• Richard Benyon (Newbury)
• Philip Dunne (Ludlow)
• Anne Milton (Guildford)
• Rob Wilson (Reaing East)

The four non-Conservaitves are Celia Barlow (Lab, Hove), David Howarth (Lib Dem, Cambrudge), Geoffrey Robinson (Lab, Coventry North West) and Martin Salter (Lab, Reading West).

Eight MPs claimed absolutely nothing in travel expenses, of which two were Conservatives:

• Adam Afriyie (Windsor)
• Greg Hands (Hammersmith and Fulham)

The six non-Conservatives were George Galloway (Respect, Bethnal Green and Bow), Ann Keen (Lab, Brentford and Isleworth), Susan Kramer (Lib Dem, Richmond Park), Tony McNulty (Lab, Harrow East), Nick Raynsford (Lab, Greenwich adn Woolwich) and Emily Thornberry (Lab Islington South and Finsbury).

Jonathan Isaby

The Jacqui Smith case highlights the need for an urgent review into MPs' expenses

The revelations over the weekend that the taxpayer had footed the bill for Jacqui Smith's husband's viewing of adult movies only goes to demonstrate how urgent it is that the system of what MPs can and can't claim allowances for is reviewed.

(By the way, why should it matter that the movies in question were of an adult nature? The taxpayer shouldn't have been paying regardless of the content, even if he'd only been watching Bambi.)

I take the view that MPs should be suitably compensated for the additional costs involved in doing the job of an MP properly, and for most that will inevitably involve the need to have a second home.

But with a minority of MPs seemingly taking advantage of what's available, it is going to take a considerable overhaul of the system and an increase in transparency before there's any chance that the public will believe that not all MPs are on the make, as indeed they are not.

David Cameron is not calling for Jacqui Smith’s head over her use of expenses to pay for her family's choice of television and films, preferring to describe it as "deeply embarrassing", though adding that she has "some questions to answer over the second home issue”.

Jonathan Isaby

Should David Cameron order a temporary 5% cut in MPs' pay? Should the Tories spell out their tax plans? Would you like Dan Hannan to be your MP?

In addition to the regular questions on shadow cabinet performance this month's ConservativeHome.com survey is seeking your views on... MPs' pay and allowances... how specific the Conservative Party should be about its tax and spending plans BEFORE the election... and Dan Hannan MEP.

 Click here to have your say.

Don Porter reflects on his time as the most senior volunteer in the Conservative Party after a total of nine years on the Board

Don Porter steps down as Chairman of the National Conservative Convention (NCC) next month after three years in that role, and a total of nine years on the Party Board (as an NCC Vice-President, President and co-opted member). During those years he has worked with four party leaders, five party treasurers, nine party chairmen and attended no fewer than 114 Board meetings. He spoke to Jonathan Isaby last week.

Despite being the most senior party volunteer in the country, with a direct line to David Cameron et al, many will not know exactly what the role of Chairman of the National Conservative Convention actually entails and you certainly won't have read about Don Porter in the newspapers.

"This is the first time in three years I've spoke to a journalist," he tells me. "I regard it as a mild point of success that I've not been quoted in the press at all: I'm here to represent the volunteers to the party and not to the press."

Representing the views of the grassroots to the party is the key to the role of the Chairman of the NCC, the 850-strong body comprising all constituency chairmen, area officers, regional officers, along with 42 representatives each from Conservative Future (CF) and the Conservative Women's Organisation (CWO). Whilst he does chair the six-monthly meetings of the NCC at Spring Forum and Party Conference, that is in essence the smallest element of the role. However, virtually all of what he does during the rest of the year necessarily takes place behind closed doors and often involves fire-fighting in areas where problems have arisen which need a solution or resolution found quietly, swiftly, professionally and well away from public glare.

Telegraph: Stuart Wheeler has been expelled

Telegraph leader:

"The expulsion of Stuart Wheeler from the Conservative Party was inevitable from the moment he decided to write out a large cheque to finance Ukip's campaigning for the European Parliament elections. The contests on June 4 will be a crucial staging post for the general election. It is imperative from David Cameron's point of view that the Tories perform as strongly as possible to provide a launch pad for the challenge ahead. He knows, as Mr Wheeler must also know, that the difference between a good Tory result and an exceptional one is the extent to which Ukip can attract Eurosceptic voters who would normally support the Conservatives..."

...continues.

8.15pm Confirmation from BBC News:

11pm Statement from CCHQ: "Eric Pickles, Conservative Party Chairman, has confirmed that the Board of the Conservative Party intend to expel Stuart Wheeler due to his support for another party. As a precursor to expulsion he has been formally suspended and has 28 days in which to appeal."

Government can't ignore family break up, says Cameron

David Cameron's constant recommitment to the centrality of family life is, for me, the most encouraging element of his leadership.

He recently appointed Dr Samantha Callan (pictured) as his policy adviser on family policy.  Samantha chaired the Centre for Social Justice's policy group on family life.  Along with Philippa Stroud, Jill Kirby and Maria Miller MP she is one of a quartet of women who have been critical to the Conservative Party becoming so family-friendly.

Supporting the family is not an issue of marginal importance.  UK society has been systematically discouraging good behaviour for fifty years.  In yesterday's Daily Mail, Professor Kenneth Minogue penned a devastating essay, recording how we've turned moral norms on their head.  My own list would include the way we've...

• incentivised couples on benefit to live apart;
• made exams easier and downgraded competitive sports so every child 'succeeds';
• ducked tough action against disruptive behaviour in the classroom;
• given counselling rather than punishment to persistent young offenders;
• turned a blind eye to celebrities who use hard drugs;
• penalised pensioners who put money aside for their retirement;
• given grants to extremist Muslim groups;
• given the lion's share of attention in the Northern Ireland peace process to Sinn Fein, not the moderate SDLP...

Just speaking to party activists in Wales, David Cameron has spelt out why public policymakers cannot ignore the strength of the family:

Pro-Europe Tory MP calls for Stuart Wheeler to be expelled

Ian Taylor MP of the Conservative Group for Europe has become the first Tory MP to call for Mr Wheeler to be expelled.

He has just emailed ConservativeHome this statement:

"David Cameron has said that: "UKIP is sort of a bunch of ... fruitcakes and loonies and closet racists, mostly."

They have nothing to do with the Conservative Party, thank goodness, not least because we are firmly in favour of reforming the EU from within.

No-one who is a supporter of UKIP can be accepted as a Conservative Party member."

I don't think it's helpful to resurrect that David Cameron quote but for reasons already blogged, I agree that Mr Wheeler must now be expelled.

Tim Montgomerie

Eric Pickles must expel Stuart Wheeler

I cannot hide the fact that I've dithered somewhat over this one but reading the thread below my earlier post has convinced me that Eric Pickles should enforce party discipline and expel Stuart Wheeler from the Conservative Party.  I have three things to say:

Party members cannot be allowed to openly support other parties: One of the strengths of the Conservative Party under David Cameron has been its unity. Although members' privileges are being eroded by the leadership there has to be responsibilities attached to the fact that members, for example, have a right to elect the party leader and select candidates. If the party leadership turns a blind eye to members openly advocating support for other parties then unity and discipline will be difficult to maintain in more difficult political times. It is also important that Stuart Wheeler isn't seen to get special treatment because of his status as a Conservative Party (ex-)donor.

We should thank Stuart Wheeler for his support for the Conservative Party: As I commented last night, Stuart Wheeler helped the party when we most needed help. He did so from high principle. He has never sought personal advantage from his giving to the Party. In fact, he has specifically ruled out joining the House of Lords. His Euroscepticism and campaigning on human rights are admirable. The Conservative Party is already experimenting with non-membership affiliations - such as internet 'friends'.  I hope he does vote for the Conservative Party at the next election. He should be expelled with regret and there must always be a way back into the party for people who are natural allies.

Europe is an issue that cannot be ignored: I am delighted that David Cameron is set to deliver on his pledge to take our MEPs out of the EPP.  For the first time the European Parliament will have a serious opposition to the EU's constant drift to ever closer union.  Europe as an abstract issue may be low on voters' list of priorities but European law and directives affect every aspect of British life including immigration and our ability to fight crime.  Some in the Conservative leadership want the issue of Europe to go away.  A head-in-the-sands stance will only encourage more members to follow the example of Stuart Wheeler.

Tim Montgomerie

"There are no plans to remove Stuart Wheeler from the Conservative Party" Wheeler may be expelled

11am update: A Tory spokesman tells me that Stuart Wheeler may still be suspended from the Conservative Party.  "We are not going to take these decisions late on a Saturday night," I'm told.

Iain Dale argues that Stuart Wheeler should be expelled from the Conservative Party for supporting UKIP's European Elections campaign but a Tory spokesman, quoted on Radio 4's 8am news bulletin, says that there are "no plans" to remove the Tory donor from the party's membership list.  Mr Wheeler who writes in The Sunday Times that the EU is more expensive than the recession, has said that he intends to support UKIP in June's European Elections but will vote Conservative in County Council elections on the same day and "is likely" to support Conservatives at the General Election.

The case for expulsion: If action is not taken against Mr Wheeler, many other Conservatives will conclude that there are no consequences for them doing the same. The consequences for party unity and discipline could be serious. Conservatives who advocated supporting UKIP at previous European elections - while promising to return to the Tory fold immediately afterwards - have been expelled.  Taking action against a donor will send a powerful signal that they can't buy special treatment.

The case against expulsion: Mr Wheeler's support for leaving the EU is shared by many Conservatives and expelling him could trigger more tensions between the grassroots and the leadership.  It is better to turn a blind eye to Tories who vote UKIP in June but have every intention of supporting Conservatives in the real contest - the General Election. The political party system is in decline anyway and the idea that people are going to be rigidly loyal to party structures in future is out-of-date.  And, let's not forget, Tory grassroots members were not allowed a say in ranking existing MEP Tory candidates.  Finally, Mr Wheeler has been generous to the Tories in the past and we should forgive him this one disloyalty.

What do you think?

Tim Montgomerie

Tories will slash government advertising spend by £250m

Stop Smoking!

Drink Less!

Learn New Skills!

Stop Defrauding The Benefit Office!

Claim Tax Credits!

Wear A Condom!

Join The Army!

Those are just some of the messages within a £400m government advertising budget highlighted by The Sunday Telegraph.

Grant Shapps MP attacked the fact that the state is now the biggest advertiser in the country:

"If it is almost obsessively talking at you about what you can do, what you can't do and what you shouldn't do, there is a risk that the public will switch off. When you go to the cinema and watch an ad break, so many of the ads are now the government telling you what you can and cannot do. It really does feel like the ultimate nanny state."

On Platform yesterday, Matt Woods asked if the splurge in government advertising could be a sign of an early election.

The Conservatives are committed to reducing the advertising budget by more than 60%; from £400m pa to £150m pa.

Stuart Wheeler defects to UKIP supports UKIP with £100,000 donation but "likely" to support Tories at next General Election

The News of the World has the scoop that Stuart Wheeler has defected to UKIP and gifted Nigel Farage's party a £100,000 donation.

He told the News of the World:

"The EU is doing so much damage to our economy and our way of life that I can no longer vote Conservative at the European elections. The Conservatives, though perhaps more eurosceptic than Labour, just wish no one would talk about the EU so that they can win the general election in peace."

Very disappointing news.

Tim Montgomerie

5pm: I've left this comment below: "Look, I think Stuart Wheeler has made a serious tactical error but he has been geneous to our party when we most needed help, he's a man of principle on Europe and human rights. Let's remember that as we comment."

7pm: I've now spoken to Stuart Wheeler. He will be voting UKIP in June's European Elections but Conservative in local elections.  He says that it is "likely" that he will support the Conservatives at the next General Election and will donate too.  I've updated the title of this post accordingly.

Public split on whether Tory IHT pledge should be a priority

The headline poll numbers suggest a Tory lead of 13% (1% more than the previous ICM survey).

The ICM/ Sunday Telegraph poll also asked if the Tory plan to raise the inheritance tax threshold to £1m should be a priority.  48% said yes, 48% said no.  More here.

Obama will meet Cameron on margins of G20

The Times's Sam Coates thought it was going to be the case and Toby Harnden has now confirmed it.  In a coup for the Tory leader David Cameron will meet 'The One' on the margins of the G20.  Toby blogs: Obama "can read the polls and see that the writing is on the wall for Gordon Brown."

The sound you hear in the background is Gordon Brown throwing his box set of DVDs against that wall.

George Osborne: Opposing the VAT cut was my toughest call

Speaking to Conservative activists in Wales, George Osborne has said that his decision to oppose Alistair Darling's VAT cut was the toughest call of his time as Shadow Chancellor.  On the right is the extraordinary poster that M&S had in all their stores just before Christmas, celebrating the cut.  Note the 'Thanks Darling' sign off.

That decision proves, Mr Osborne says, that he and David Cameron have the "courage and the judgement and conviction to make the difficult choices and put this country’s finances back on the right path."

Key extract:

"Let’s be honest – opposing the VAT cut was the toughest call I’ve had to make in this job – leading Conservative MPs, with the support of David Cameron, into the division lobbies against what looked to many like a Labour tax cut.

It wasn’t the easy or popular thing to do either.  Almost no one openly agreed with us.  We could have stayed quiet, and turned a blind eye as the debts our children will face mounted up.

But we didn’t.  David Cameron didn’t.  I didn’t.  This Party didn’t.

We stood alone then.  But we are not alone today.

One retailer after another queues up to denounce the VAT measure.  One Labour MP after another calls on their government to abandon it early.  And one European finance minister after another makes it clear that it wasn’t a very sensible thing to do.

But we were there first.

And I think in that decision we showed that this Party has the courage and the judgement and conviction to make the difficult choices and put this country’s finances back on the right path."

Earlier this week the Conservatives declared victory in the battle of the fiscal stimulus.

Cameron must be first to champion the anti-politician mood

Right and Left seem to be saying the same thing.

The public is angry at a political class that doesn't understand the pain that ordinary families are going through.  Polly Toynbee will hate me for saying this but parts of her column in today's Guardian read like a press release from the TaxPayers' Alliance: "No one in the public sector should get more than £150,000," she writes, "In the present mood, all wise public bodies should rapidly cut their own top pay."

David Cameron and George Osborne were one day ahead of Polly.  The Tory leader has expressed "astonishment" that 68 members of the quangocracy earn more than the Prime Minister.  Mr Osborne, as Chancellor, will veto any quango that wants to grant such a remuneration package in future.  He writes about his plan in The Sun.

It is right that David Cameron promises to end fat cattery.  The public resented the excess during comfortable times.  They are going to detest it as unemployment mounts.  Capping the pay of the biggest public sector earners will be popular and necessary but it's only a drop in the ocean of Britain's debt challenge.  Across-the-board cuts in public spending are going to be necessary to save the UK's public finances - something which the public understands.  

Politicians need moral authority to oversee these cuts.

If charity begins at home, so, too, must austerity.  David Cameron must show that MPs and ministers will make personal sacrifices as they demand sacrifices of others.  I was interested to read the largely positive response to my suggestion of yesterday that MPs and ministers take a lead with a temporary pay cut.  It's hard to think of many other things that would more powerfully communicate an incoming Conservative government's intent to restore responsibility to the public sector.  On Monday I'll ask a specific question in the monthly members' survey to get the measure of all grassroots opinion.

Many MPs will strongly oppose a pay cut - albeit temporary - but I'm sure David Cameron would have public opinion on his side if any choose to protest too much.  If the Tory Party has anything like a Clause IV moment, this could be it.

Tim Montgomerie

MPs must lead the way in preparing for the 'austerity Parliament'

BBC1's Question Time didn't go well for Eric Pickles last night.  He was defending MPs' second allowances and didn't do a good job.  PoliticsHome recorded the grisly details.

ConHome is a BIG fan of the new Party Chairman but last night was something of a train wreck.

It's vital that the Conservative Chairman and the wider Tory Party understand the level of public anger towards the political class.  It's also necessary that MPs show a lead in preparing the way for cut backs in the public sector.

I'm about to lose favour with every Tory MP but there is no way that MPs can keep their pay and their allowances while the public sector is being slimmed down.

'We miss him'

David Cameron talks to ITV viewers about the loss of his son, Ivan.

Tory MPs mull anti-BNP tactics

Up until now the Tory strategy - strongly advocated by Eric Pickles and accepted by David Cameron - has been to work around the BNP.  It's where I've been, too.  The idea is to deny the BNP the 'oxygen of publicity' and work harder than them when it comes to pavement politics.

Some Tory MPs are beginning to worry that that strategy may no longer be tenable.  One MP told ConservativeHome: 'The BNP activists are not like they were. They don't wear bomber jackets. They don't have number one shaved heads. They don't have tattooes.  They look smart.  They smile.  They are talking about housing and jobs, not race.  They aren't fitting the caricature and voters are confused.'

At a meeting of Conservative Peers earlier this week the rise of the BNP was evident from a number of regional presentations made by party campaigners.

CCHQ isn't currently moving from its 'no oxygen' tactic but Tory MPs are mulling alternative options.  There is a particular concern to find messages that stop normally Conservative voters from supporting the BNP in June's European elections.  Three stand out at present:

1. Connect the BNP with criminality.  This was what The Sun did a few years ago - highlighting the criminal connections of many BNP candidates.  'Voters won't vote for a criminal party,' the Tory MP told me.
2. Connect the BNP with falling house prices.  This was the tactic pursued vigorouly two years ago by certain Conservatives.
3. Connect the BNP with Left-wing, socialist policies.  This is a strategy set out by Charles Walker MP.

Tim Montgomerie

Has President Obama requested to meet David Cameron next week?

At David Cameron's monthly press conference at the beginning of last week, I specifically asked him whether he would be meeting President Obama in London during the G20 summit.

His reply - which I posted here - was pretty firmly in the negative:

"I'm not trying to muscle in on the G20. It isn't normally possible to have those sorts of meetings... I haven't requested one and don't expect one to take place."

Intriguing, then, to read The Times' Sam Coates' latest post on his blog:

"Looks like that David Cameron could be meeting President Obama on Wednesday. The Conservatives absolutely will not comment when we ring, although his spokeswoman did not repeat the remark by Cameron a couple of weeks ago that there would be no meeting. Cameron is pencilled in - with a question mark next to it - on Wednesday daytime."

If David Cameron didn't request such a meeting - as he told me he had not done - then I can only conclude that if they do meet that the request must have come from the White House. Which suggests that President Obama and his entourage are very aware of which way the political wind is blowing this side of the pond.

Jonathan Isaby

Tory lead still 10% in latest YouGov poll - and people say public spending is too high

Tomorrow's YouGov poll for the Daily Telegraph has all three parties' figures remaining the same as the YouGov poll for the Sunday Times earlier in the month. Indeed, the figures for the two main parties are also identical as the equivalent YouGov poll last month - the only difference being a two-point rise in the Lib Dem rating.

This would give the Conservatives a majority of 20, according to the UK Polling Report swing calculator (based on universal uniform national swing).

Of more interest in the details contained in the Daily Telegraph is the news that people are increasingly of the view that public spending is too high. Only 9% think the current level of public spending should be maintained, with more than two thirds believing that less should be spent on administration in public services.

However, whilst the Tories have a ten-point lead over Labour in terms of who is most trusted to run the economy well, 73% of people support a top rate tax band of 45% or more.

Jonathan Isaby