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(Click for frequent words.) 72 Business FPB 68 Small Businesses 63 Master Builders FMB 62 Subpostmasters 62 Directors IoD 62 British Insurers ABI 59 Residential Letting Agents 59 Citizens Advice 59 Citizens Advice Bureaux 58 SubPostmasters 58 Mortgage Intermediaries AMI 58 IoD 58 Commerce BCC 57 Convenience Stores ACS 57 Residential Letting Agents ARLA 57 Colleges AoC 56 Retail Newsagents NFRN 56 Sub Postmasters 56 Residential Landlords 56 Small Firms 56 Jobcentre Plus 56 Voluntary Organisations NCVO 56 FPB 56 Voluntary Organisations 56 Intermediary Mortgage Lenders 55 Building Societies 55 Joseph Rowntree Foundation 55 Residential Lettings Agents Arla 55 Pension Funds NAPF 55 Payment Clearing Services 55 Citizens Advice Bureau 55 Graduate Recruiters AGR 55 Graduate Recruiters 55 Licensed Victuallers Associations 55 Estate Agents NAEA 55 Mortgage Lenders CML 54 Daycare Trust 54 Consulting Actuaries ACA 54 Prompt Payment Code 54 Residential Lettings Agents ARLA 54 Chancellor Alistair Darling 54 Consulting Actuaries 54 Mr Shapps 54 Energywatch 54 chancellor Alistair Darling 54 Residential Letting Agents Arla 54 ISME 54 HMRC 54 Business CFIB 54 Personal Injury Lawyers APIL 53 secretary Vince Cable 53 EEF 53 Mortgage Lenders 53 JobCentre Plus 53 Retail Newsagents 53 Development CIPD 53 OFT 53 energywatch 53 NHS Confederation 52 Ofgem 52 Sub postmasters 52 accountants BDO Stoy Hayward 52 Residential Lettings Agents 52 Isme 52 Housebuilders 52 Tamworth Borough 52 Mr Raynsford 52 Envirowise 52 Royal Mail 52 Property Federation BPF 52 Financial Advisers Aifa 52 Headteachers 52 Pre Budget 52 Westcountry 52 Licensed Victuallers Association 52 Payment Clearing 52 Sir Digby 52 Age Concern 52 Farepak collapse 52 Road Haulage Association 51 Alcohol Concern 51 Phil Orford 51 union Usdaw 51 hauliers 51 Mark Prisk 51 West Midlands 51 Usdaw 51 CPRE 51 Stephen Alambritis 51 Carers 51 Postwatch 51 MP Mark Lazarowicz 51 Secondary Heads 51 Licensed Multiple 51 union Unison 51 Employment Confederation REC 51 NHS 51 Mr Danczuk 51 Tunbridge Wells Borough 51 TUC 51 Francis Maude 51 householders 51 Copeland Borough 51 Mrs Snelgrove 51 Freight Transport 51 secretary Eric Pickles 51 Lib Dems 51 British Retail Consortium 51 Citizen Advice 51 BusinessZone.co.uk 50 Barrow Borough 50 Remploy 50 ConstructionSkills 50 Castle Morpeth 50 Housing Federation NHF 50 Mr Prisk 50 Residential Landlords Association 50 Startups.co.uk 50 energy regulator Ofgem 50 Tenon Forum 50 jobcentres 50 England CPRE 50 JobCentre 50 watchdog Ofgem 50 NFU 50 Regulatory Reform BERR 50 Mr Farron 50 Broadland District 50 BDO Stoy Hayward 50 Slough Borough 50 BBPA 50 RMIF 50 Mr Plaskitt 50 Elwa 50 CIPFA 50 Insolvency Service 50 COUNCIL bosses 50 NHS trusts 50 Cipfa 50 Caradon District 50 Mencap 50 housebuilding 50 StartUp Britain 50 minister Francis Maude 50 subpostmasters 50 Students NUS 50 Carbon Reduction Commitment 50 regulator Ofgem 50 Mortgage Intermediaries 50 Fair Trading OFT 50 SCVO 50 NICVA 50 Mr Prentis 50 Equalities Review 50 Evening Telegraph 50 Punch Taverns 50 JobCentres 49 Macclesfield Borough 49 MP Eric Martlew 49 Operating Companies Atoc 49 Fenland 49 Skillsmart Retail 49 Mr Lansley 49 IPPR 49 Online Publishers AOP 49 Mr Ruffley 49 headteachers 49 Richmondshire District 49 MoJ 49 National Statistics ONS 49 Cifas 49 Babergh District 49 Tax Payers Alliance 49 Ms Winterton 49 Housing CIH 49 children charity Barnardo 49 Socitm 49 Cambridgeshire 49 Camra 49 Clive Betts 49 Shelter Cymru 49 SMMT 49 shopworkers union Usdaw 49 Aylesbury Vale District 49 Estate Agents 49 Devon Pensioners 49 Mr Serwotka 49 One NorthEast 49 Mid Beds 49 Builders Merchants 49 Renfrewshire Council 49 Network Rail 49 MP Hugh Bayley 49 leader Peter Britcliffe 49 Voluntary Sector 49 Shopmobility 49 Pennine Housing 49 £ 2billion 49 Householders 49 4Children 49 sub postmasters 49 Lib Dem MSP 49 Lib Dem 49 Citizens Advice Bureaux CAB 49 RAC Foundation 49 thepublican.com 49 publicans 49 Retailers ALMR 49 Alistair Darling 49 minister Grant Shapps 49 CHANCELLOR Alistair Darling 49 BWEA 49 Warm Front 49 Tandridge District 49 leader Vivien Pengelly 49 Police Officers ACPO 49 West Mercia Police 48 Fostering Network 48 ICAEW 48 St Edmundsbury Borough 48 Debt Advice 48 Lothian Buses 48 Tenant Farmers 48 learndirect 48 NCVO 48 Finance Guarantee EFG 48 John Cridland 48 shopworkers 48 Steve Bundred 48 housebuilders 48 Chartered Certified Accountants 48 Welsh Assembly 48 IFAs 48 RSM Tenon 48 pubcos 48 Tax Simplification 48 Comprehensive Spending Review 48 Liberal Democrat 48 Home Builders Federation HBF 48 Suffolk Coastal 48 Businesses FPB 48 Fishermen Organisations NFFO 48 NAPF 48 Erewash Borough Council 48 CIPD 48 Chapelfield 48 Cheltenham Borough 48 jobseeker allowance JSA 48 Secretary Andrew Lansley 48 yob culture 48 Uttlesford District 48 Philip Hammond 48 watchdog Postwatch 48 leader Nigel Holdcroft 48 Con Dem 48 Mr Martlew 48 Scottish Retail Consortium 48 Rochdale Borough 48 DBIS 48 SMEs 48 Calderdale 48 Neighbourhood Watch schemes 48 EDDC 48 Wales ICAEW 48 Association BBPA 48 Shadow Chancellor 48 TaxPayers Alliance 48 Ian Liddell Grainger 48 PCSOs 48 Identity Fraud Prevention 48 Jobcentre 48 ALMOs 48 Financial Advisers AIFA 48 UUK 48 Welwyn Hatfield Borough 47 Hauliers 47 Begbies 47 GMB union 47 Acevo 47 WLGA 47 Hertfordshire Constabulary 47 DfT 47 HMIC 47 Highways Agency 47 Gwent Police 47 boiler scrappage scheme 47 Defra 47 Operating Companies ATOC 47 HOUSEHOLDERS 47 TPAS 47 Shopworkers union Usdaw 47 Irish Fishermen FIF 47 Research CEBR 47 Head Teachers NAHT 47 Derwentside District 47 sicknote culture 47 insolvency practitioners 47 South Ribble 47 Kwik Save 47 Budget Responsibility OBR 47 Research IPPR 47 Barbara Janke 47 Ribble Valley Borough 47 Budget Responsibility 47 NLGN 47 Ms Blears 47 BlindCraft 47 Redditch Borough Council 47 construction union UCATT 47 BVCA 47 HIPs 47 Authorities AGMA 47 Morrisons 47 Fiscal Studies 47 Morning Advertiser 47 Maidstone Borough 47 CFDG 47 Mr Spellar 47 minister Hazel Blears 47 SUPERMARKET giant Tesco 47 Energy regulator Ofgem 47 Carbon Trust 47 LibDem MP 47 Mr Hain 47 HBoS 47 BPPG 47 Ofsted 47 leader Jenny Dawe 47 Greater Manchester 47 nebusiness 47 Wetherspoon 47 Shetland MSP Tavish Scott 47 Moray MSP Richard Lochhead 47 sickness absence 47 East Dunbartonshire 47 SFLG 47 Fair Trading 47 yob behavior 47 Tees Valley 47 Mr Alambritis 47 Motor Manufacturers 47 Construction union UCATT 47 Forres Gazette 47 JSA claimants 47 BDO LLP 47 BVRLA 47 Learndirect 47 secretary Caroline Spelman 47 consumer watchdog Postwatch 47 James Clappison 47 TOURISM chiefs 47 Mr Connarty 47 Businesses NFIB 47 mydeposits.co.uk 47 Unbiased.co.uk 47 Slough Borough Council 47 Eric Pickles 47 Irish Road Haulage 47 Broadland Housing 47 MAS WM 47 Ryedale District 47 Cllr Thornber 47 Real Ale CAMRA 47 NSPCC 47 Tory MSP 47 ADZs 47 chain JD Wetherspoon 47 Britannia Building 47 Tour Operators FTO 47 Secretary Lord Mandelson 47 CityCare 47 MSPs 47 Staffordshire Borough 47 Cambridgeshire Primary Care 47 Broadband Stakeholder Group 47 Pensions DWP 47 Wealden District 47 College Leaders ASCL 47 Jenny Willott 47 Humberside Police 47 British Bankers Association 46 Rural Payments 46 claiming jobseekers allowance 46 UCATT 46 leader Rod Bluh 46 Mrs Spelman 46 Mr Djanogly 46 Staffordshire Moorlands District 46 Pack Providers AHIPP 46 Lothians 46 Real Ale Camra 46 NFU Cymru 46 Bournemouth Borough 46 secretary Andrew Lansley 46 Accountants KPMG 46 Tescopoly 46 Bill Esterson 46 Bracknell Forest Borough 46 Asda 46 Mr Letwin 46 British Waterways 46 Flintshire 46 Cumbria 46 Ms Harman 46 Uganda Employers FUE 46 pubco 46 Unison branch 46 Taunton Deane Council 46 ELDC 46 DEFRA 46 Union FBU 46 Cosla 46 ROYAL Mail 46 secretary Hazel Blears 46 EADT 46 Tesco 46 carers 46 EDUCATION chiefs 46 Australia MFAA 46 EEDA 46 Apacs 46 moneysupermarket.com 46 David Willetts 46 Townswomen Guilds 46 Begbies Traynor 46 Mr Sheerman 46 Cumbrian 46 Chancellor Alastair Darling 46 ABCUL 46 Liam Byrne 46 Ofcom 46 Strathclyde Passenger Transport 46 CRC Energy Efficiency 46 Low Carbon Vehicle 46 National Debtline 46 DIUS 46 UHY Hacker Young 46 ConDem 46 Trading Standards 46 tackling antisocial behavior 46 Elaine Woodburn 46 union UNISON 46 Grant Shapps 46 COUNCIL chiefs 46 Berwick Borough 46 Labour MP 46 Consumer Credit Counselling 46 retail union Usdaw 46 FSCS 46 DETI 46 chancellor Alastair Darling 46 Taxation CIOT 46 Warrington Borough 46 FE colleges 46 Kenya Employers FKE 46 Queensland LGAQ 46 National Pest Technicians 46 Moneysupermarket 46 TaxAssist Accountants 46 West Midlands AWM 46 LMCs 46 Waveney 46 Spicerhaart 46 advisers PKF 46 Passenger Focus 46 BT Tradespace 46 MyCallcredit 46 Scottish Borders 46 Hackney Carriage Drivers 46 Liberal Democrats 46 claiming Jobseeker Allowance 46 Traders SMMT 46 payments association Apacs 46 Transport Salaried Staffs 46 charity Brake 46 Ipswich Borough 46 VITALY CHURKIN Russian 46 unitary authority 46 Lindsay Hoyle 46 Self Employed NASE 46 Nursing RCN 46 think tank Civitas 46 Postcomm 46 NWAS 46 ODPM 46 InBiz 46 Ms Randerson 46 BERR 46 TfL 46 Alison McInnes 46 superfast broadband 46 medium sized enterprises SMEs 46 Cattles 46 Korean Industries FKI 46 Incommunities 46 Farepak Response Fund 46 Ucatt 46 DfES 46 Eastbourne Borough Council 45 Child Poverty 45 Castle Morpeth Borough 45 claiming Jobseekers Allowance 45 Witney MP 45 Carl Minns 45 FSCS levy 45 Jim Paice 45 Alan Connett 45 RMI Petrol 45 Homeowner Mortgage 45 Andrew Pelling 45 Vince Cable 45 COSLA 45 leader Ken Thornber 45 Countryside Alliance 45 Brendan Barber 45 EHRC 45 VisitEngland 45 fortnightly rubbish collections 45 MP Kitty Ussher 45 Shadow Chancellor Oliver Letwin 45 Drivers ABD 45 Empty Homes 45 Hampshire Constabulary 45 Justice MoJ 45 Watford Borough 45 Alambritis 45 Certified Chartered Accountants 45 RAC motoring 45 Ipsos Mori 45 Syscap 45 Goldblatt McGuigan 45 Teresa Perchard 45 Mr Lazarowicz 45 Huntingdonshire 45 SAINSBURY 'S 45 Fire Brigades 45 telecoms regulator Ofcom 45 gangmasters 45 Crofting 45 Huntingdonshire District 45 Carbon Reduction Commitment CRC 45 Bob Ainsworth 45 Torridge District 45 Mr McLetchie 45 DCLG 45 charity Barnardo 45 Tithebarn 45 Advanced Motorists IAM 45 Mole Valley 45 Margaret Hodge 45 Mid Beds District 45 Chorley Borough 45 Ujima Housing 45 Cumbria Primary Care 45 Derbyshire Dales District 45 Jobcentres 45 Yorkshire Humberside 45 Gangmasters Licensing Authority 45 minister Vernon Coaker 45 NACFB 45 Herefordshire 45 Darwen Borough 45 AHIPP 45 Police Officers Acpo 45 quango cull 45 National Childbirth Trust 45 HEFCE 45 Landlords 45 Mr Salmond 45 USDAW 45 Insolvency practitioners 45 Minister Vernon Coaker 45 Sir Derek Wanless 45 ALAN Beith MP 45 South Ribble Borough 45 Thames Gateway 45 Shadow chancellor 45 LibDem MSP 45 Mr Dromey 45 BPIF 45 Redrow 45 Firstplus 45 Cambridgeshire Constabulary 45 Hefce 45 Mr Gauke 45 Drinkaware 45 LABGI 45 Oswestry 45 Andrew Stunell 45 Dr Ladyman 45 Safer Hartlepool 45 JD Wetherspoon 45 Pharmaceutical Industry ABPI 45 Darlington Borough 45 Directgov 45 Safer Roads Partnership 45 NHS dentists 45 ARLA 45 MP Hugo Swire 45 Northampton Borough 45 Kirklees Council 45 nfpSynergy 45 Swindon Borough 45 FSA 45 George Osborne 45 Inverclyde 45 Wyre Forest District 45 Sedgemoor 45 Crawley Borough 45 Mrs Gillan 45 SHOPKEEPERS 45 LibDems 45 Development Agency EEDA 45 Lord Mandelson 45 GP surgeries 45 Planning Inspectorate 45 Midcounties Co operative 45 Ms Primarolo 45 Acpo 45 NHS dentistry 45 Secretary Eric Pickles 45 tenanted pubs 45 secretary Yvette Cooper 45 Lord Hanningfield 45 Dumbarton MSP 45 Wokingham Borough Council 45 RAC motoring strategist 45 Mr Coaker 45 Abta 45 minister Mark Prisk 45 Management Consultancies 45 Dunedin Canmore Housing 45 Advanced Motorists 45 Parentline Plus 45 CIOT 45 Principality Building 45 Wyre Borough Council 45 Allerdale 45 FirstBuy scheme 45 Banking ICB 45 Pendle Council 45 Derwentside 45 CREDIT crunch 45 hackney carriage drivers 45 West Lothian 45 Employment Tribunals 45 ELWa 45 charity 4Children 45 SNP Lib Dem 45 Icas 45 Dawn Primarolo 45 president Maree O'Halloran 45 Tories 45 quango 45 homeworking 45 BSIA 45 information packs HIPs 45 childminders 45 claiming Jobseeker Allowance JSA 45 IFA Promotion 44 parish councils 44 FGW 44 solicitors 44 Elmbridge 44 Smarter Choices 44 fortnightly bin 44 NFU Mutual 44 Equalities 44 Lib Dem councilors 44 lettings 44 A4e 44 Service FOS 44 Wyre Council 44 West Mercia 44 RenewableUK 44 Spelthorne 44 West Mercia Constabulary 44 Tax Incentivised Savings 44 APACS 44 UNISON 44 Parliamentary Ombudsman 44 Chartered Surveyors Rics 44 Shropshire 44 Alcohol Harm Reduction Strategy 44 Bracknell Forest Council 44 Calderdale Council 44 VCOSS 44 NHS Lothian 44 MP Grant Shapps 44 SLDC 44 Sickness absence 44 Fenland District 44 Children charity Barnardo 44 Services ELAS 44 HSENI 44 Pendle Borough 44 Colchester Borough 44 Chancellor Alastair 44 NASUWT 44 Shapps 44 MP Julia Goldsworthy 44 Acpos 44 Chris Grayling 44 £ 9billion 44 LSL Property Services 44 Labour AMs 44 MoneyExpert.com 44 Sure Start 44 voxclever 44 NZIER 44 Harrowgate Hill 44 Wychavon District Council 44 Publicans 44 Circle Anglia 44 SWRDA 44 Darwen 44 housebuilding sector 44 Lib Dem MP 44 Teachers Randi Weingarten 44 Higher Education Funding 44 Mr Cruddas 44 East Lothian 44 BUSINESSES 44 TIGA 44 Matalan 44 FIRE chiefs 44 NHS Trusts 44 swingeing cuts 44 ippr 44 Mr Clegg 44 Sir Digby Jones 44 Sainbury 44 unauthorized overdraft charges 44 Clr Pinnock 44 Bacs 44 Ms Brankin 44 KIRKLEES 44 Dickinson Dees 44 KOS Media 44 union USDAW 44 distributive trades survey 44 Solihull 44 Union UCU 44 £ #.#m overspend 44 occupational pensions 44 Mr Crausby 44 Briault 44 Shopworkers 44 Leith Links Residents 44 Against Tolls 44 Campaigners 44 Benjys 44 Ballymena Borough 44 MP James Plaskitt 44 Tony McNulty 44 Seeda 44 Skills DfES 44 John Spellar 44 fly tipping 44 swiftcover.com 44 HGVs 44 Safer Neighbourhoods Teams 44 Birds RSPB 44 Teignbridge 44 Childminders 44 consumer watchdog Energywatch 44 Tenants Associations 44 Rural Regeneration 44 binmen 44 Apprenticeship Week 44 Mr Woolas 44 Graffham 44 unbiased.co.uk 44 Torridge 44 Ibec 44 Netmums 44 Breckland Council 44 Surrey Comet 44 Capacitybuilders 44 CBI Distributive Trades 44 HEALTH bosses 44 STUC 44 ONS 44 Cafcass 44 Defaqto 44 CALDERDALE 44 British Travel Agents 44 TRANSPORT chiefs 44 Merkinch 44 Derek Wanless 44 SmartCompany 44 Futurebuilders 44 QCDA 44 FTBs 44 Navca 44 Mr Liddell Grainger 44 Enterprise Inns 44 Citizens Advice bureaux 44 Massage Therapy Boards 44 Mr Poots 44 Jobseeker Allowance claimants 44 Norfolk Constabulary 44 Wychavon 44 DBERR 44 HM Treasury 44 Accountancy Age 44 Plas Madoc 44 Focus DIY 44 TORY MP 44 TalkTalk 44 Kesteven District 44 SYPTE 44 CAMRA 44 Pubwatch 44 Lansley 44 PCTs 44 Avine McNally 44 rough sleepers 44 watchdog Ofsted 44 Aldermore 44 Grimsby Telegraph 44 Havering 44 Djanogly 44 Breckland 44 SmartNewHomes.com 44 Moneysupermarket.com 44 Sedgemoor District Council 44 governor Mervyn King 44 UKinbound 44 Mr Heathcoat Amory 44 Blindcraft 44 Moneynet 44 Callcredit 44 CEBR 44 Allerdale council 44 Dacorum 44 Somerfield 44 Be Enterprising 44 flytipping 44 moneysupermarket 44 Michael Izza 44 Hertsmere Borough Council 44 uswitch.com 44 ChangeUp 44 LEPs 44 HOUSING chiefs 44 cowboy clampers 44 Protect Rural 44 NIIRTA 44 IBEC 44 tenanted pub 44 charity Alcohol Concern 44 moneyfacts.co.uk 44 Executive HSE 44 Moneyfacts.co.uk 44 Estate Practitioners 44 Mr McGimpsey 44 Leale Yard 44 Estyn 44 Ribble Valley MP 44 Councillor Foxley 44 #mph zones 44 Teachers NUT 44 Redditch 44 Mr Burstow 44 Hyndburn 44 Warburtons 44 NHS Primary Care 44 Housebuilder Barratt 44 St Edmundsbury 44 Cllr Dawe 44 ePolitix.com 44 Bracknell Forest 44 Broxtowe 44 Mark Lazarowicz 44 Chartered Surveyors 44 Lord Rooker 44 Welwyn Hatfield 44 pubs 44 West Dunbartonshire 44 WorkCover premiums 44 leader Roderick Bluh 44 Steve Morphew 44 LITRG 44 insurer NFU Mutual 44 Horsefair 44 Taunton Deane Borough 44 IMLA 44 St Modwen 43 Mr Kawczynski 43 Suffolk Primary Care 43 accountancy firm 43 Derbyshire Constabulary 43 £ #.#billion [001] 43 Barnardo 43 Lord Laming 43 Epping Forest District 43 Woking Borough Council 43 Remploy factories 43 Hyndburn Borough Council 43 GRTU 43 Accuma 43 regulator Ofwat 43 Ms Sturgeon 43 moneynet.co.uk 43 PfS 43 £ 1bn 43 Cabot Circus 43 Fair Access OFFA 43 Transport Salaried Staff 43 workers union Usdaw 43 Hartlepool Borough Council 43 Daily Echo 43 Southampton Itchen 43 Allowance JSA 43 ProHelp 43 Drink Federation FDF 43 FoI Act 43 LINk 43 Becta 43 MP Fiona Mactaggart 43 mortgage repayments 43 EERA 43 Labour MSP 43 MP Jenny Willott 43 HEALTH chiefs 43 Cebr 43 Tory MEP 43 Theresa Villiers 43 Moneynet.co.uk 43 Congleton Borough Council 43 Denbighshire 43 Powys 43 Andrew Lansley 43 Sally Keeble 43 Moneyfacts 43 Apprenticeships 43 MP Mark Oaten 43 Gosport Borough Council 43 Ian Learmonth 43 shopworkers union USDAW 43 MP Nigel Waterson 43 Oftel 43 British Airline Pilots 43 Blaenau Gwent 43 DCSF 43 minister James Plaskitt 43 MP Tim Farron 43 Aimhigher 43 Ms Kirkbride 43 Moneyextra 43 LBRO 43 Edinburgh Pentlands MSP 43 Nepal FHAN 43 Fylde 43 ESRC 43 CPZs 43 Lloyds TSB 43 Macmillan Cancer Relief 43 RadioCentre 43 Stobswell 43 NFUS 43 Yarmouth Borough 43 Eeda 43 Allotment holders 43 FWAG 43 Beverley Hughes 43 Nicol Stephen 43 avoid compulsory redundancies 43 RSM Robson Rhodes 43 Adver 43 IFAs AIFA 43 Virgin Trains 43 TAXI drivers 43 Lothians MSP 43 Ofwat 43 Primary Care Trust 43 NFU Scotland 43 Cherwell District 43 ScotRail 43 Pendle 43 HoldtheFrontPage 43 Scamnesty 43 Belfast Telegraph 43 Depute Leader 43 FairFuelUK 43 watchdog Energywatch 43 Ribble Valley 43 YouGov survey 43 Equitable Life policyholders 43 Bosses 43 Transport DfT 43 David Gauke 43 Enterprise HIE 43 tackle worklessness 43 MoneyExpert 43 Oneplace 43 Skelmersdale 43 Sir Reg