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(Click for frequent words.) 58 Child Tax Credits 56 Guaranteed Income 56 Tax Benefit 55 Insurance Contributions NICs 54 Carer Allowance 54 Working Tax Credits 53 UCCB 52 CTFs 52 Carers Allowance 52 Incapacity Benefit 51 Jobseekers Allowance 51 Job Seeker Allowance 51 Quebec Pension Plan 51 Kiwi Saver 51 Supplement GIS 50 jobseekers allowance 50 RESPs 50 Jobseeker allowance 50 Disability Living 50 workless households 50 CTF vouchers 50 RDSP 50 Accommodation Supplement 49 Kiwisaver 49 Sure Start 49 Job Seekers Allowance 49 superannuitants 49 EI premiums 49 Income Supplement 49 Trust Funds CTFs 49 Jobseeker Allowance 48 Pupil Premium 48 Domestic Purposes Benefit 48 childcare rebate 48 RDSPs 48 Minimum Wage NMW 48 pensioners 48 Carer Payment 48 equalization payments 48 occupational pension 48 Newstart allowance 47 carer allowance 47 Jobseeker Allowance JSA 47 Inheritance Tax 47 stakeholder pensions 47 KiwiSaver 47 Savings Certificates 47 Homelessness Initiative 47 NZ Superannuation 47 Identity Scheme 47 Carers Strategy 47 Sickness Benefit 47 Attendance Allowance 47 Child Poverty 47 Rent Supplement 47 Paid Parental Leave 47 jobseeker allowance 47 RESP 47 Newstart Allowance 46 Incapacity benefit 46 Statutory Maternity Pay 46 incapacity benefit 46 Jobseeker Benefit 46 Disability Support 46 Isas 46 Incapacity Benefits 46 ISAs 46 EI claimants 46 Statutory Sick Pay 45 Savings Scheme NPSS 45 ContactPoint 45 clawback 45 indexation allowance 45 Minimum Wage 45 Individual Savings Accounts 45 bracket creep 45 income earners 45 Austudy 45 pensioners carers 45 Earned Income Credit 45 Educational Maintenance Allowance 45 Regular Saver 45 Disability Savings 45 Equitable Life Payments 45 CTF voucher 45 workless families 45 Newstart 45 ODSP 45 workless 45 Jobseekers allowance 44 Child Support 44 employers PRSI 44 Incapacity Benefit IB 44 Pension Benefits 44 Workfare 44 contributions NICs 44 Severely Handicapped 44 Disability Allowance 44 Parental Leave 44 Pre Budget 44 Maternity Benefit 44 Saver Credit 44 Registered Disability 44 grandparent carers 44 childcare vouchers 44 IHT threshold 44 occupational pensions 44 compulsory annuitisation 44 Warm Front 44 fortnightly installments 43 RRSP contributions 43 KiwiSaver scheme 43 Grant CESG 43 Tax Simplification 43 Unemployment Benefit 43 ISA savers 43 IB claimants 43 TFSA 43 Instant Saver 43 Incapacity Benefit claimants 43 Job Ops 43 stakeholder CTF 43 statutory redundancy 43 Serps 43 Canada Pension Plan 43 Earned Income 43 RRSP withdrawals 43 overcontribution 43 Free Savings Accounts 43 Tories 43 National Rental Affordability 43 superannuation surcharge 43 Dawn Primarolo 43 CPAG 43 Education Maintenance Allowance 43 Tax Benefit CCTB 42 SSI SSP 42 RRSPs 42 Suicide Prevention Strategy 42 ISA allowance 42 contributory pensions 42 Affordable Housing Programme 42 GST HST 42 Tim Loughton 42 Tuition Fee 42 nonworking spouse 42 Bolsa Família 42 Tax Rebate 42 DPB recipients 42 Inheritance Tax threshold 42 Yvonne Fritz 42 Investments NS 42 Program ODSP 42 AISH 42 Loan Guarantee Scheme 42 PMS savers 42 CTF 42 Saving Scheme NPSS 42 pensionable age 42 claiming incapacity 42 Teenage Pregnancy Strategy 42 Foreign Credential Recognition 42 Invalids Benefit 42 earners 42 ContactPoint database 42 Affairs Mary Hanafin 42 Workfare Bonus 42 Isa savers 42 Income Tax Benefit 42 Dependent Care Tax 42 Savings Plan RDSP 42 Guaranteed Saver 42 Saver Account 42 Gift Aid 42 Homeowner Mortgage 42 Abstudy 41 jobseeker allowance JSA 41 LICO 41 Stamp Duty threshold 41 Savings Grant CESG 41 EITC 41 RRIF withdrawal 41 kinship carers 41 Beverley Hughes 41 Individual Savings Account 41 PRSI contributions 41 Assistance Scheme 41 PRSI ceiling 41 Benefit UCCB 41 OAS clawback 41 KiwiSavers 41 Tax Credit 41 Supplemental Nutrition 41 Sue Moroney 41 Monthly Saver 41 Retail Deposit Guarantee 41 Stamp Duty 41 NPPF 41 Edusave 41 Allowance DLA 41 Homestead Rebate 41 childcare 41 Pharmacare 41 Allowance ESA 41 Section #L 41 concessionary fares scheme 41 Healthy Smiles Ontario 41 Pooled Registered Pension 41 EI recipients 41 HM Treasury 41 Lamrock 41 Tony McNulty 41 General Employee Entitlements 41 Tir Mynydd 41 registered childminders 41 Welfare Reform 41 Minister Gord Mackintosh 41 claiming Job Seekers 40 Pension SIPP 40 Pensions 40 Coverdell ESA 40 Exchequer 40 RESP contributions 40 KAY PATTERSON 40 TSX NA 40 PRSI 40 Superannuation Guarantee 40 AMT exemption 40 Redundancy Scheme 40 Isa allowance 40 SureStart 40 worklessness 40 Saving Scheme 40 Cultural Spaces 40 monthly outgoings 40 Sex Offender Disclosure 40 NJ FamilyCare 40 Bonus Saver 40 Yalnizyan 40 SPENDING REVIEW 40 Coverdell Education 40 childcare voucher 40 Social Security 40 Benefit Fraud Hotline 40 Daycare Trust 40 PAYG installments 40 NJ SAVER 40 ecoENERGY Retrofit Homes 40 EYFS 40 RRSP deduction 40 TSX EIF 40 Property Tax Deferral 40 Poverty Level 40 SSIA scheme 40 concessionary fares 40 cash Isas 40 Pension 40 Parental Responsibility 40 Savings Scheme 40 RRIFs 40 annuitise 40 Driver Licence 40 Working Neighbourhoods Fund 40 Paymaster General 40 CPP QPP 40 Boiler Scrappage Scheme 40 Dungavel 40 Maternity Allowance 40 Natural Gas Rebate Program 40 GST rebate 40 annuitisation 40 Dormant Accounts 40 non contributory pension 40 PPF levy 40 Jobseekers Allowance claimants 40 Chancellor Alastair Darling 40 Neighbourhood Renewal Strategy 40 Isa Saver 40 IHT liability 40 minimum wage NMW 40 HMRC 40 DPB 40 Regular Saver account 40 PRSAs 40 Retirement Savings Accounts 40 Saver Accounts 40 TFSAs 40 Non doms 40 Pension Funds NAPF 40 claiming jobseekers allowance 40 Minimum Sum 40 Superannuation 40 employer PRSI 40 undeducted contributions 40 Farepak collapse 40 pharmacare 40 claiming Jobseekers Allowance 40 Kiddie Tax 39 unpaid carers 39 Liam Byrne 39 Barnett consequentials 39 Clr Khan 39 minimum wage earners 39 EI 39 Conditional Cash 39 Directgov 39 Wage Subsidy 39 Cash ISAs 39 Registered Retirement 39 CalWORKs 39 Resource Surcharge 39 Fildebrandt 39 RRIF 39 AgriInvest 39 incomes 39 taxfree 39 Provincial Nominee Program 39 Cafcass 39 Hartz IV welfare 39 Deductibility 39 spousal IRA 39 widows widowers 39 Educational Maintenance Allowances 39 WorkCover premiums 39 indexation 39 Tenancy Deposit Protection 39 Lifetime Savings Accounts 39 Reserve Fund NPRF 39 Coverdell accounts 39 Janis Tarchuk 39 socialsecurity.gov 39 income 39 Education Maintenance Allowances 39 TANF 39 superannuation entitlements 39 paybill 39 Homelessness Partnering Strategy 39 PRPPs 39 Wage Earner Protection 39 Pension Plan 39 Immunisation Register 39 Booktrust 39 Enabling Accessibility Fund 39 Children Regular Saver 39 Equitable Life policyholders 39 Chancellor Alistair Darling 39 Mr Letwin 39 Statistician Karen Dunnell 39 payroll withholdings 39 NEETs 39 Widow er 39 Childcare vouchers 39 compulsory superannuation scheme 39 Dayanand Social Security 39 pensions 39 Conservatives 39 OMPF 39 chancellor Alistair Darling 39 minister James Plaskitt 39 Statutory Paternity Pay 39 Farepak Response Fund 39 carers 39 Neighbourhood Renewal 39 HRSDC 39 GST 39 Fiscal Studies 39 Welfare Reform Act 39 Apprenticeship Incentive Grant 39 Mr Gauke 39 Surestart 39 WITB 39 SAYE schemes 39 George Osborne 38 £ 6billion 38 Playbuilder scheme 38 RRSP 38 Skills Link 38 Relief Fund PMNRF 38 Plans PRPPs 38 PBGF 38 SuperGold Card 38 Stakeholder pensions 38 Partybets account 38 Gains Tax 38 RBS Natwest 38 Invalid Benefit 38 FJF 38 savers 38 DCSF 38 claiming Jobseeker Allowance 38 Provincial Nominee 38 Services ICDS 38 Nick Gibb 38 Saving Certificates 38 Jobseeker Allowance claimants 38 Early Intervention 38 Harpauer 38 Earned Income Tax 38 Contributory Pension 38 Apprenticeship Completion Grant 38 benefit scroungers 38 CASs 38 Voluntary Organisations 38 deadbeat parents 38 tenancy deposit 38 Queen Speech 38 Temporary Disability 38 sicknote culture 38 Gordon Lishman 38 AVCs 38 CashBack 38 Job Creation Partnerships 38 claiming Incapacity Benefit 38 Meg Hillier 38 TSX FN.UN owns 38 Earned Income Tax Credits 38 Unclaimed Assets 38 Coverdells 38 PAYE 38 S2P 38 Housing Trust NHT 38 Skipton Building Society 38 Fossil Fuel Levy 38 childminders 38 Trust Global DIGIT 38 minister Meg Hillier 38 Generation Programme PMEGP 38 Kiwisaver scheme 38 Dependent Care 38 CULAC 38 Pension Offset 38 Safeguarding Vulnerable Groups 38 NICs 38 Oyster photocard 38 Savings Schemes 38 RRSP contribution room 38 Autopac 38 Combat Poverty 38 Compensation Scheme FSCS 38 medicare 38 Stamp Duty Land 38 Moneyback 38 Asbos 38 Crime Reduction Strategy 38 pensionable salary 38 Renewables Obligation RO 38 Shapps 38 Budget 38 non doms 38 Clutha Southland 38 poorer backgrounds 38 ecoENERGY 38 Mr Blunkett 38 Default Retirement 38 Overpayments 38 Louis Vachon 38 CESG 38 FSCS levy 38 Wage earners 38 welfare recipients 38 FERS retirement 38 Harmonized Sales Tax 38 Immunisation Schedule 38 Higher Education Contribution 38 Bluefin Advisory 38 DoCS 38 Redundancy Payment 38 Dependent Care Credit 38 Farepak savers 38 fiscally neutral 38 GBP#bn [001] 38 minister Yvette Cooper 38 Employment Subsidy Scheme 38 Bill Esterson 38 Minister Jenny Macklin 38 ACOSS 38 AISH recipients 37 tuition fees 37 welfare quarantining 37 Protection Scheme 37 socially excluded 37 Medisave accounts 37 IBI therapy 37 Trust NEST 37 Rural Payments 37 Free Savings Account 37 CAIS 37 Welwyn Hatfield MP 37 shadow chancellor Alistair 37 ecoENERGY Retrofit 37 Trust TSX BNP.UN 37 Neets 37 Carer 37 Budget Responsibility 37 Homebuy Direct 37 Housing Federation NHF 37 TSX FN.UN 37 Millennium Scholarship 37 Suren Thiru economist 37 Scheme SPS 37 Alternative Minimum Tax 37 SAYE 37 MediShield 37 PRDP 37 Talvest 37 NHS dentistry 37 OAPs 37 Nisource Inc NI 37 Inland Revenue 37 Dementia Strategy 37 Moana Mackey 37 minister Grant Shapps 37 SubPostmasters 37 Stamp duty 37 Indexation 37 Parentline 37 PRPP 37 Licence Fee 37 Budget Responsibility OBR 37 McGuinty Liberals 37 Iain Duncan Smith 37 Recreational Infrastructure 37 Tax Credits 37 stamp duty 37 Flow Through SIFT 37 Instalment ^ 37 Income Tax Offset 37 Pension Schemes 37 Ms Kirkbride 37 FICA taxes 37 Poilievre 37 Bonus Scheme 37 Poverty LEAP 37 Customs HMRC 37 #k pa 37 Minimum Tax 37 NZ Superannuation Fund 37 Taper Relief 37 FirstBuy scheme 37 unreduced pension 37 YCJA 37 equalization formula 37 Prenatal Nutrition 37 unauthorized overdraft charges 37 McGuinty 37 Dependent Care Expenses 37 Minister Steve Maharey 37 4Children 37 FRS# accounting standard 37 Self Invested Pension Plan 37 compulsory superannuation 37 RRIF withdrawals 37 Lib Dem manifesto 37 Missing Persons Helpline 37 Incapacity 37 refundability 37 Modern Apprenticeships 37 JSA claimants 37 Financial Inclusion Taskforce 37 Program 4Ps 37 Income Funds RRIFs 37 cohabitees 37 Cassandra Goldie 37 Fostering Network 37 Charitable Rollover 37 Drug Benefit 37 maximum Pell Grant 37 Departmental Expenditure Limit 37 McGunity 37 NIACE 37 Single mums 37 Salary Disclosure 37 Revenu Québec 37 Citizens Advice 37 exchequer Alistair Darling 37 Childrens Mutual 37 taxfilers 37 inherited IRAs 37 Dependants 37 SUBSIDIES Tax credits 37 Redundancy Payments Office 37 #pence 37 Aboriginal Healing 37 Teachers Pension Scheme 37 Nationality Immigration 37 Flexible Saver 37 Flexible Lifetime 37 MPIG 37 Unemployment Compensation Trust 37 HECS debts 37 Darien Fenton 37 Tory 37 Labour 37 Tax Beater 37 welfare caseloads 37 Safeguarding Children 37 FSCS 37 Conservative frontbench 37 Lord Laming 37 Eczema Society 37 Common Minimum Programme NCMP 37 Scheme HECS 37 Creststreet Power & 37 ConDem coalition 37 UGMA 37 MFIP 37 Petrowest Energy 37 Retirement Savings 36 Alastair Darling 36 Ann McKechin 36 http:/www.socialsecurity.gov 36 Rental Accommodation 36 Premier McGuinty 36 Carl Emmerson 36 pensionable 36 Coverdell Education Savings Account 36 Distribution Reinvestment 36 Rashtriya Swasthya Bima Yojana 36 MMR uptake 36 CHIP 36 JM Balanced 36 Joseph Rowntree Foundation 36 Con Lib 36 Needy Families TANF 36 Single Payment 36 Criminal Injuries Compensation 36 Opposition Leader Dwain Lingenfelter 36 Fafsa 36 Mr Maharey 36 Dalton McGuinty 36 refundable Earned Income Tax 36 breadline 36 Superfast Broadband 36 Recovery Rebate Credit 36 EITC eligibility 36 Less Favoured Area 36 RRSP RRIF 36 dividend imputation 36 literacy numeracy 36 JobCentre Plus 36 DfES 36 Trust TSX MMP.UN 36 claiming jobseeker allowance 36 PlunketLine 36 Ms Primarolo 36 Comprehensive Spending Review 36 Homestead Rebates 36 concessionally taxed 36 progressive indexing 36 Fiscal Stabilization Fund 36 Certificate NSC 36 Loan Losses ALLL 36 Pell Grant 36 Con Dem 36 mini Isas 36 Homestead Exemption 36 pensionable salaries 36 Tamra Keepness 36 cervical cancer vaccination 36 economically inactive 36 PBGC insures 36 Subpostmasters 36 Bountrogianni 36 charity Barnardo 36 IVF treatments 36 Budgetary Responsibility 36 Communities Component 36 Inheritance Tax IHT 36 THE SAVINGS GAME 36 KidsCare 36 Tax Withholding 36 Stakeholder Pension 36 CalWorks 36 Nics 36 Standard Variable Rate 36 Poverty Eradication Programme NAPEP 36 Shadow Cabinet 36 Equal Opportunities Childcare 36 Carers 36 procuration fee 36 Employment Guarantee 36 Immigration Agreement COIA 36 Exchequer Alastair Darling 36 Minister Judy Streatch 36 Mr Spellar 36 Secretary Yvette Cooper 36 NewStart 36 Substance Misuse 36 MMR jab 36 Hidden Harm 36 carryback provision 36 Thalidomide Trust 36 Regular Monthly Distribution 36 VAT PAYE 36 Independent Safeguarding Authority 36 LFASS 36 Bellwin Scheme 36 John Spellar 36 SBRR 36 spokesperson Stewart Hosie 36 Diamond Jubilee Medal 36 Student Loan Scheme 36 Jobseeker 36 rollover IRA 36 AgriStability 36 UTMA accounts 36 Fair Access Offa 36 GMWB 36 Pensions DWP 36 Economic Modelling 36 Bolsa Familia 36 Dearness Relief 36 FamilyCare 36 tracker mortgages 36 Cheryl Gillan 36 Mrs Ilott 36 ISA wrapper 36 minister Hazel Blears 36 Minister Pearnel Charles 36 Costs Allowance 36 conc £ 36 Pounds #bn [001] 36 Ernie Eves 36 Tuition Fees 36 Minister Madeleine Meilleur 36 Bundred 36 dole queues 36 IRA Individual Retirement 36 Neighbourhood Regeneration 36 Vaz Oxlade 36 Child Exploitation Coordination 36 COBRA Subsidy 36 Fixed Deposit 36 Mrs Spelman 36 SuperGold card 36 prebudget 36 NPSS 36 Hon BILL ENGLISH 36 Vulnerable Adults 36 persistent absentees 36 Paid maternity 36 Mr Raynsford 36 CSRS retirees 36 RRSP TFSA 36 FICA withholding 36 secretary Fiona Hyslop 36 Economic Modelling NATSEM 36 indictment Yasrebi 36 Healthcare Disparities 36 PSHE 36 Minister Rosie Winterton 36 Blaine Higgs 36 Bellwin scheme 36 Centrelink 36 prebate 36 Euan Robson 36 Landsbanki Guernsey 36 Digital Switchover Help 36 super annuation 36 Childminding 36 Mandatory Retirement 36 quangoes 36 Payroll Tax 36 Based Repayment IBR 36 minimum wage 36 FutureCare 36 lowincome families 36 Bowel Cancer Screening 36 Denise Fergus 36 Mr Clappison 36 Vehicle Excise Duty 36 Financial Stability Plan 36 MVRs 36 Defined Benefits 36 National Infrastructure CPNI 36 T4s 36 Plans RRSPs 36 Jody Dallaire 36 James Plaskitt 36 Residential Tenancies Act 36 Register NIR 36 Mineral Exploration Tax 36 prebates 36 Tackling Violent Crime 36 Engage Mutual 36 Contribution Limits 36 Dearness allowance 36 LABGI 36 Insulation Scheme 36 1 Owner CarFax 36 FlexAccount 36 Required Minimum Distribution 36 First Monetized Social 36 Savings Accounts 36 Household Targeting 36 Economic Stimulus Payment 36 VICTORIA NEWS# 36 Defined Benefit 36 AEGON Religare 36 Bookstart 36 Disability Lifeline 36 Blunkett 36 supertax 36 TFSA contribution 36 Renovation Tax 36 Tax Refund 36 Scottish Equitable 36 Retirement Option 36 Extended Benefits 36 fully costed 36 Employment 36 Capital Gains 35 StrongStart 35 entitlements 35 EITC refunds 35 CRTC Decision 35 GHESP 35 EPF contributors 35 Pell grant 35 Saving Schemes 35 Trust NHT 35 Julie Kirkbride 35 CGT taper relief 35 Scrip Dividend Programme 35 Credit HRTC 35 Peter Bjornson 35 LIC MF Unit 35 Missing Persons Helpline NMPH 35 Contributory Pension Scheme 35 Emergency Unemployment Compensation 35 tronc 35 S CHIP 35 PRAs 35 claiming Jobseeker Allowance JSA 35 Calman proposals 35 Pensioners Convention 35 Tax Saver 35 Baroness Hollis 35 Lump sum payments 35 Catastrophic Illness 35 clawbacks 35 economist Armine Yalnizyan 35 Childcare Vouchers 35 £ #.#billion [003] 35 Marguerite Blais 35 Payment Scheme 35 Redditch constituency 35 childless adults 35 Vulnerable Groups 35 Gord Mackintosh 35 Dr Nanette Milne 35 REPEAT BMO 35 Poverty Line 35 Lord Filkin 35 GCSE attainment 35 Fund NHF 35 Health Reimbursement Arrangement 35 Car Scrappage Scheme 35 Low Income 35 David Gauke 35 QuickTax 35 Dr Kiro 35 inheritance 35 Sharesave 35 CGT exemption 35 Paternity Leave 35 Screening Programme 35 Derek Twigg 35 Cecilia Hitchen 35 Program Participation SIPP 35 TIPRA 35 MMR vaccination 35 Rosann Wowchuk 35 Heritable Bank 35 Students SPES 35 tackling worklessness 35 Pensioners 35 told conservatives.com 35 £ #.#trillion [002] 35 #p [002] 35 Kitty Ussher 35 Sorbara 35 Redundancy Payments 35 mydeposits.co.uk 35 VAT 35 Bank NA.TO 35 Coverdell ESAs 35 Eligible Liabilities 35 £ #.#million [006] 35 Official Languages Act 35 Fair Fuel Stabiliser 35 Savings Incentive 35 Ms Goldie 35 Sharon Shoesmith 35 Barclaycard Platinum 35 Remuneration Tribunal 35 properly costed 35 Married Filing Jointly 35 Mr Shapps 35 Iris Evans 35 Child Exploitation Co ordination 35 generous Earned Income 35 Retirement Income 35 Martin Narey 35 Funding Requirement 35 Information Packs 35 Parliamentary Ombudsman 35 CalWORKS 35 Parental Involvement 35 filers earning 35 SuperBuild 35 nonworking spouses 35 Withholding Taxes 35 SNP manifesto 35 co habiting couples 35 Darling 35 RInC 35 CFDCs 35 FHOG 35 MedicarePlus package 35 Pibs 35 Anne Longfield 35 Voluntary Organisations NCVO 35 Antyodaya Anna Yojana AAY 35 Book Tokens 35 RRSP contribution 35 minister Dawn Primarolo 35 Systematic Alien Verification 35 Ms Merron 35 CITR 35 0pc 35 Identity Cards Bill 35 Reverse Mortgage Counseling 35 Referral Bonus 35 spokeswoman Sarah Teather 35 MSP Alasdair Allan 35 Ms Plibersek 35 LGPS 35 NSPCC helpline 35 UTI CRTS 35 eSavings 35 Dearness Allowance DA 35 Education 35 Prorogation 35 Voluntary Sector 35 Minister Lord Rooker 35 HI PREFS 35 CWDC 35 Roth IRA withdrawals 35 Family Contact NSCFC 35 SSIA holders 35 Disaster Recovery Payment 35 Whanau Ora 35 Lord Laming inquiry 35 orders Asbos 35 CYF 35 Tax CGT 35 Policing Pledge 35 Child Migrants 35 Tax Extenders Bill 35 Sustaining Progress 35 Yarl Wood 35 overpayments 35 noncustodial parents 35 Development Zola Skweyiya 35 Lloyds Banking 35 StrongStart centers 35 wage earners 35 SSIAs 35 Icesave savers 35 Housing Affordability 35 Mailing Preference Service 35 mortgage repayments 35 RIte Care 35 Trust TSX BR.UN 35 superannuation payouts 35 Social Protection Éamon 35 Margaret Ritchie 35 taxable income 35 Learning DEL 35 Homestead Rebate checks 35 Homebuy scheme 35 Caitriona Ruane 35 multiemployer defined 35 Jeevan Aastha 35 Tariff FIT 35 Good Causes 35 Student Loans 35 President Reg Alcock 35 Mr Bundred 35 Climbie 35 Age Pension Scheme 35 LCBP 35 statementing 35 claiming Job Seeker 35 concessionary fare 35 prudential borrowing 35 Barnardo 35 welfare