Posts Tagged ‘crippen’

1 Feb

Mo Stewart asks: “Safeguarding vulnerable claimants – how?” 

Posted by crippencartoons in Uncategorized. Tagged: , , , , , , , .

A guest blog by Mo Stewart, Research Lead of the Preventable Harm Project.

“As the House of Commons returns to Parliament following the Christmas break, the select committees are back in action. The new Work and Pensions Committee (the Committee), chaired by the Labour MP Debbie Abrahams, was taking evidence on 8th January for their ongoing ‘safeguarding vulnerable claimants’ inquiry.

“Significant evidence was provided by the first panel representing Women’s Aid, the mental health charity Mind, the National Autistic Society and the Child Poverty Action Group. These professionals testified to the suffering created by the Department for Work and Pensions (DWP) for benefit claimants with various needs and stressed the negative impact of the DWP on benefit claimants.

“The next person to give evidence to the Committee was Dr Gail Allsopp, the DWP Chief Medical Advisor (CMA) appointed sixteen months ago, following the failure of the DWP to appoint a CMA for over five years.

“The evidence provided by Dr Allsopp left a lot to be desired after the Chair invited her view on ‘the actual scale of the deaths of claimants’. Dr Allsopp claimed her main concern regarding deaths of DWP disability benefit claimants was in the very rare Prevention of Future Deaths reports provided by coroners, identifying that something at the DWP ‘had gone wrong.’

“However, the hundreds of confidential internal process reviews (IPR) investigating DWP related deaths was downplayed. The Chair did advise Dr Allsopp that the Committee believed that the IPRs were ‘probably the tip of the iceberg’ regarding the deaths and serious harm linked to DWP actions, but they both failed to acknowledge the thousands of deaths of chronically ill and disabled benefit claimants following a disability benefit assessment.

“Whilst the DWP created the Serious Case Panel (the Panel), which Dr Allsopp attends, following concerns regarding the numbers of deaths linked to disability benefit assessments, the Panel is not independent and the minutes are limited and totally inadequate. This researcher believes it is past time to adopt an Independent Advisory Panel for DWP Related Deaths, similar to the Independent Advisory Panel for Deaths in Custody, which is linked to the Ministry of Justice, is totally independent and offers very detailed reports of their findings, which is a suggestion brought to the attention of the Attorney General, Lord Kermer KC.

“A letter to Dr Allsopp attracted a reply claiming she could not add ‘any further advice’ as I was in contact with the Minister for Disability, Sir Stephen Timms MP.  However, this researcher’s letter to the CMA didn’t invite any advice, but simply provided evidence that, as the CMA, she should be made aware of. It remains unclear to this researcher why the CMA claims to be responsible for clinical governance across the DWP given that the WCA continues to disregard all clinical need. Any disability assessment that disregards diagnosis, prognosis, past medical history and prescribed medicines is dangerous and guarantees preventable harm to many, regardless of any possible improved clinical governance of the staff who conduct the assessment.” 

Mo Stewart

Research Lead

Preventable Harm Project

Description of cartoon for those using screen reading software

Seated at a desk under a sign that reads ‘New Work and Pensions Committee’ are Dr Gail Allsopp and Debbie Abrahams MP. The front of their desk has a sign that reads ‘Safeguarding vulnerable clients enquiry’. Two sets of documents lay discarded on the floor. One is ‘Coroners report – the prevention of future deaths’ and the other (which is in a bin marked rubbish) is ‘internal process reviews’. Standing opposite them are three people, representatives of the national autistic society, MIND and woman’s aid. In front of them is a large placard that reads ‘our collective evidence points to unnecessary suffering created by the DWP for disabled benefit claimants’. Another piece of paper is on the floor reads ‘thousands of deaths of chronically ill after assessment’. Dr Allsopp is saying to the group: “I’m afraid that we don’t have time for that – we can only concentrate on any future deaths!” Each of the charity reps looks suitably stunned.

16 Jan

Crippen discovers that DWP paid half a BILLION pounds to deceased pensioners

Posted by crippencartoons in Uncategorized. Tagged: , , , , , , , .

Ah, now it’s starting to make more sense …

Blundering civil servants in the Department for Work and Pensions (DWP) mistakenly sent more than half a BILLION pounds to deceased people in just five years, official figures reveal. And apparently there’s no legal obligation for families to return the money.

So, these exagerated claims by the DWP that disabled people are ripping off the benefits system is nothing more than a fabrication, designed to cover up their own costly incompetence. Who best to blame when the books don’t balance? Why, disabled people of course!

As usual the DWP declined to comment! 

Description of cartoon for those using screen reading software

A group of people are standing around an open grave as a vicar reads the sermon. An open newspaper on the ground reads ‘DWP pay out 1/2 billion to pensioners who have recently died!’. Also standing alongside the grave is a man in a suit identified as being a ‘bailiff’ and another man as being with the DWP. The bailiff is saying to the vicar: “If the DWP don’t get their money back, we’re going to have to repossess the coffin!”

8 Jan

Crippen looks at the latest figures regarding the stoppage of PIP to disabled claimants

Posted by crippencartoons in Uncategorized. Tagged: , , , , , , , .

An article in the Lancs Live online newsletter states that an estimated 628,000 people receiving Personal Independence Payment (PIP) for disabilities and long-term physical and mental health conditions have had their claims stopped. Over the same period, a further 300,000 have seen their benefits reduced.

The Department for Work and Pensions (DWP) apparently reviews all PIP claims after a predetermined period set at the time of each application being approved. Additional unscheduled reviews can be conducted if there is a reported change in circumstances, typically when an individual’s health deteriorates due to an existing impairment or a new medical issue arises.

Currently, around 3.6 million people in the UK receive PIP from the DWP, with awards approved for a specific period – ranging from nine months to 10 years – before a review is carried out to determine whether it will stop, reduce, increase or continue at the same level.

DWP data reveals that during the eight years from 2016, 628,000 claims were stopped following an end-of-award review or change-of-circumstances review. For those whose claims were up for review after a fixed term, 277,000 claimants lost their PIP after a new assessment, and a further 35,000 were informed their PIP was being cancelled because they failed to attend the appointment.

A further 250,000 people had their PIP stopped based on the forms they completed, without being asked to attend a new health assessment, reports Birmingham Live. Furthermore, 264,000 claimants experienced a reduction in their PIP payments following a review, while just over 500,000 were granted a higher amount and nearly 1.4 million maintained the same level of PIP.

In October 2024 alone – the most recent month for which data is available – more than 5,250 individuals had their PIP discontinued after a review of their claim, and 1,796 saw their payments reduced, while almost 5,600 were informed they would receive a higher amount and 34,000 people experienced no change in their award.

With complaints raised about these reassessments being “dehumanising” and “distressing”, the DWP is facing calls to make improvements. Campaigners are asking for an end to “repeat assessments” and say continued entitlement to PIP “should be a medical decision, not a cost-saving exercise.”

Sir Stephen Timms, Minister for Social Security and Disabilities, advised that the application and assessment processes were being reconsidered with a view to improvements as part of the “fundamental reforms” to health and disability benefits to be set out by the Labour Government in spring 2025. However, this could include restrictions on eligibility for PIP.

You’ll remember from an earlier blog that I quoted a statement from Anela Anwar, chief executive of anti-poverty charity Z2K who said: “We need to see a health and disability benefits system that provides security and support, not one that pushes disabled people into deep poverty and leaves them at risk of sanctions.”

You can read the full story here.

Description of cartoon for those using screen reading software

A wheelchair user is sat alongside a giant spinning wheel with rows of flashing lights around it. The face of the wheel has been split into segments which are marked as ‘impose sanctions’, ‘stop all benefits’, ‘go back to start’, ‘accused of fraud’, ‘Raid bank account’ and ‘deleted claim’. The wheel has the name ‘wheel of misfortune – department of work and pensions PIP assessment’ printed upon it. The disabled person is holding a lever which, when pulled, will spin the wheel until it stops with a large pointer aimed at one of the segments. Standing alongside is a man in a grey suit wearing a name tag with DWP printed upon it. He is saying: “You’ve got to admit that this is much more fun than the usual boring assessment!”

4 Jan

Crippen discovers AI is showing a negative bias towards disabled claimants

Posted by crippencartoons in Uncategorized. Tagged: , , , , , , , .

An artificial intelligence system used by the Department for Work and Pensions (DWP) to detect welfare fraud is showing bias according to people’s age and disability, it has been revealed by the Guardian newspaper.

An internal assessment of a machine-learning programme used to vet thousands of claims across England found it incorrectly selected people from some groups more than others when recommending whom to investigate for possible fraud.

The admission was made in documents released under the Freedom of Information Act by the Department for Work and Pensions (DWP). The “statistically significant outcome disparity” emerged in a “fairness analysis” of the automated system for universal credit advances carried out this year.

The emergence of the bias comes after the DWP this summer claimed the AI system “does not present any immediate concerns of discrimination, unfair treatment or detrimental impact on customers”.

Campaigners responded by accusing the government of a “hurt first, fix later” policy and called on ministers to be more open about which groups were likely to be wrongly suspected by the algorithm of trying to cheat the system.

“It is clear that in a vast majority of cases the DWP did not assess whether their automated processes risked unfairly targeting marginalised groups,” said Caroline Selman, senior research fellow at the Public Law Project, which first obtained the analysis.

“DWP must put an end to this ‘hurt first, fix later’ approach and stop rolling out tools when it is not able to properly understand the risk of harm they represent.”

By one independent count, there are at least 55 automated tools being used by public authorities in the UK potentially affecting decisions about millions of people, although the government’s own register includes only nine.

Description of cartoon for those using screen reading software

Alongside of a sign that reads ‘Department for Work and Pensions (DWP) – Disabled Claimants AI Scrutiny’, a large robot is sat at a table working through a pile of PIP claim forms from disabled people. It has marked every form with a large red ‘Rejected’ stamp. The robot has a face mask bearing the likeness of Iain Duncan Smith, former Tory minister for the DWP. A voice from the side is saying: “It’s been a lot happier since we gave it the personality of Duncan Smith!”

19 Dec

More unsubstantiated claims that “millions” of disabled people are falsely claiming benefits

Posted by crippencartoons in Uncategorized. Tagged: , , , , , , , , , , , , .

Not content with pillorying disabled people in the House of Commons, it is claimed that the Labour government along with the Department for Work and Pensions (DWP) are continuing to encourage the press and television to portray us all as work shy scroungers.

John McArdle, co-founder of Black Triangle Campaign, claims that the DWP was “emphatically” behind the “false narrative” displayed in a string of recent newspaper articles and television programmes. He pointed out that the last 14 years had shown that this hostile rhetoric always increased before major disability benefit reforms were announced. And it’s no coincidence that this comes as the new Labour government prepares its own reforms of the disability benefits system, which are set to be published in a green paper in the spring. John added: “They are trying to say the benefits bill is bankrupting the country and it’s simply not the case.”

Damaging Articles

So, what are these damaging articles and programmes that disabled people are up in arms about? Well, if we take a look at the more recent examples, there’s an article in the Mirror newspaper this month by journalist Paul Routledge who describes that “millions” of disabled people are dishonestly claiming out-of-work benefits.

He writes that “millions of people who could, and should be in work, sign on for long-term sickness benefits”. He also claimed that mental health was “the ‘bad back’ of the 21st century” because it was “easy to self-diagnose, virtually impossible to disprove”. He provided no evidence for either of his claims.

Disabled journalist and author Rachel Charlton-Dailey said she was “sickened” by Routledge’s column. She said: “The media hostility towards disabled people has been an infuriating thing to try and combat … [but] I’m especially sickened by seasoned columnists using us as a punching bag when they should know better than to publish unsubstantiated lies about benefits claimants that can cause a lot of harm and add to the public’s distrust of us.”

Dr Natasha Hirst, the disabled president of the National Union of Journalists (NUJ), who has frequently spoken out about discriminatory reporting in the media, said: “There are a multitude of barriers that prevent disabled people from accessing the labour market. The impact of long Covid, and lack of timely health services, plays a significant role, as well as negative attitudes from employers and lack of accessible transport and housing”.

Damaging Programmes

Three days later a Channel 4 Dispatches documentary on disability benefits was aired. It claimed to expose the “scandal” of the disability benefits system that can “drive people towards benefits rather than work”, and that the costs of supporting disabled people who cannot work “threaten to derail the government’s hopes of economic growth”, and it asked the question: “Are we getting sicker? Or lazier?”

There were multiple concerns about accuracy and unevidenced claims in the Dispatches programme, while the radical working-class media organisation The Canary pointed out that the presenter Frazer Nelson – former editor of the right-wing magazine The Spectator –  had failed to state he was on the advisory board of the Centre for Social Justice (CSJ), the right-wing thinktank that devised Universal Credit.

The film for Channel 4’s Dispatches caused outrage among many disabled people who watched it. One user-led mental health group Recovery in the Bin (RiTB) described the new documentary, Britain’s Benefits Scandal, as an “atrocity”.

Rick Burgess, an RiTB spokesperson, said: “We see what this is, it is a cycle repeated endlessly of government working with media to ready the way for another round of DWP abuse. Shame on everyone involved.”

Read the full story about both the Mirror article and the CH4 documentary in Disability News Service (DNS). Both articles are written by disabled journalist John Pring who’s recently published book The Department is described as a thoroughly researched exposé of the bureaucratic violence and hostility of the Department for Work and Pensions (DWP) over the last 30 years.

Description of cartoon for those using screen reading software

A bald DWP manager in a grey suit is standing alongside a female journalist who is typing on a computer keyboard. Above the monitor a sign declares that this is the ‘News Desk’. The DWP manager is holding a piece of paper with ‘disabled scroungers’ printed upon it. Around the feet of the journalist are other pieces of paper with ‘disabled benefits bill is bankrupting the country’ and ‘millions of disabled are dishonestly claiming benefit’ printed upon them. The DWP manager is saying: “You can run with the story as long as you don’t need any evidence!”. The journalist replies: “Don’t worry about that – we’ve never needed it before and we’re certainly not going to look for any now!”

16 Dec

Bah Humbug!

Posted by crippencartoons in Uncategorized. Tagged: , , , , , , , .

Well, that’s another year almost over with Deaf and disabled people reeling from repeated assaults on our basic human rights. Although this time we’re being shafted by the political party that was supposed to oppose the Tory party and its anti-disabled people retoric.

But come to think of it, when they were the opposition party, Labour didn’t actually do much in the way of challenging the Tories. So, why are we surprised that once in power, Labour just picked up the Tories inhuman policies regarding benefits, education, health care, euthanasia, etc., and just claimed it as their own. It’s as though the Labour party has given itself a quick coat of blue paint and its now difficult to tell these two political parties apart!

Various Crips have spoken out about how punch drunk they are feeling, what with having to challenge the government in so many different areas, areas that we thought we’d been making some progress in, but here we are, back at the beginning again. And this time without any real political allies!

I don’t know about you but I’m getting really pissed off with being governed by rich pricks who are doing everything they can to remove us from society, or at the very least making the general public believe that we’re all a bunch of useless eaters who are responsible for the £127.5 billion deficit, the low wages and high prices, the breaking down of the NHS and just about everything else that’s going down the pan due to their asset stripping.

Bah humbug doesn’t really cover it … I can see that I’m going to have to take my gloves off next year and really start challenging this corrupt status quo!

Description of cartoon for those using screen reading software

 A threadbare, drooping christmas tree stands in a red pot which has ‘Merry Christmas’ written on it. It has a few hanging baubles and some broken lights along with three signs which read ‘Broken Labour Promises’, ‘Recycled Tory Policies’ and ‘Benefit Cuts’. A large red label hangs from the tree which is being looked at by a black disabled wheelchair user. The label reads ‘From your caring Labour Party’. The disabled person is wearing a purple t-shirt that has ‘Not Dead Yet’ printed upon the front.

15 Nov

Crippen and the DWP’s terrible and inexcusable treatment of disabled people

Posted by crippencartoons in Uncategorized. Tagged: , , , , .

The way the Department for Work and Pensions (DWP) has treated disabled people in the last 15 years “will go down in history as a terrible and inexcusable crime”, MPs were told this week during a debate on the new government’s budget.

Independent MP Apsana Begum told fellow MP’s during a debate on the Labour government’s budget that there was “extensive evidence about the serious harm caused to people subjected to dehumanising assessments and sanctions, including reports of deaths (as highlighted in John Pring’s book ‘The Department’) directly related to the social security regime”.

She called for a “long-term overhaul of the social security system”, which she said was “not fit for purpose”.

Begum was not the only MP to refer to the impact of the last government’s welfare reforms on disabled people.

Labour’s Emily Darlington, MP for Milton Keynes Central, reminded MPs on Monday that under previous Conservative governments, disabled people had taken their own lives due to welfare reform.

She said that 14 years of “failure” had also led to “three million people using food banks, more than 700,000 children plunged into poverty, mortgage costs nearly doubled, the worst pay rises since the 1950s… mental health worse than at any time on record, more people sleeping rough and more families without their own home”.

She said the Conservative party continued “to deny, to justify and to refuse to apologise to those people right across the country and in my constituency”.

You can read the full story in the Disability News Service article by John Pring

Description of cartoon for those using screen reading software

The setting is the Crown Court with all of the Tory MP’s who have been associated with DWP benefit changes crammed into the dock. On the floor in front of the judge and the jury are copies of Disability News Service. They each bare a headline telling of Tory and DWP complicity in subjecting disabled claimants to dehuminising assessments, sometimes leading to their deaths. Members of the jury are pointing at the ‘the accused’ with angry expressions. The judge is saying to them: “I think you’ll find that guilty is sufficient – rather than HANG THE TORY BASTARDS!!

27 Oct

Crippen shares a message

Posted by crippencartoons in Uncategorized. Tagged: , , , , , , , , , .

A message from the disabled activists who took John Pring’s new book to Parliament.

Thanks to you we did it!

On 2nd September 2024, Disabled campaigners from across the UK took 650 copies of The Department: How a Violent Bureaucracy Killed Hundreds and Hid the Evidence by John Pring to Parliament. Each one was in a black envelope individually addressed to each MP as a contribution from Pluto publishers.

TV stars Cherylee Houston and Lisa Hammond turned up on the day to help us carry the books along with representatives from Deaf and Disabled People’s Organisations supporting the initiative.

Contrary to the advice that we had been given on a number of occasions when different members had contacted Parliament to confirm how best to make the delivery, the books were denied entrance. This meant that the meeting we had booked for MPs to come and hear about the further social security cuts that are planned as a continuation from Tory policy was not able to happen.

Instead, campaigners took a spontaneous decision to blockade the entrance to Parliament. After hours of stand off with the police, Parliament security agreed to get a vehicle to collect the books and take them to the security centre that checks mail.

We are in the process of checking with MPs if they received their copies of the books. So far it looks as if they did. We are in the process of working out our remaining budget to send copies to devolved and regional administrations in the UK.

We apologise for not having updated you meanwhile. We are all volunteers who try our best to be active on top of living with our disablement and we apologise for not being able to do everything as good as we should. We are tremendously grateful for the money that was donated to this and the sacrifices people made.

Links to coverage:

ITV reports on Mum wants answers

DNS report on Disabled activists defy bureaucrats

DNS report on Commons confirms MPs received book

The Canary report on DWP protest at parliament

Big Issue reports on book to MPs

Disability Rights UK report on delivery of book

Disability Rights UK report on activists lobby parliament

26 Oct

Crippen asks again “Fraud – What Fraud?!”

Posted by crippencartoons in Uncategorized. Tagged: , , , , , , , .

They’re at it again, claiming that billions of pounds are being lost to fraudulant benefit claims, which includes those by people on long term sick and those who are disabled.

Where they get these figures from is a real mystery as the last government’s own figures showed that benefit fraud was at its lowest ever at less than 3.5%, much of which could be attributed to DWP error.

And you’ll remember it was ex-PM Rishi Sunak who claimed that millions were being  fraudulantly claimed through Personal Independent Payments (PIP) at the same time that DWP figures, released just days before Rishi Sunak called a general election, showed that overpayment of PIP due to fraud had dropped to Zero per cent, a fall from 0.2 per cent the previous year. 

So, where are they getting this misleading information from? Or, are they just making it all up? But why?

Perhaps it’s something about finding a scapegoat for the shambles that exists called ‘government’ and the billions of pounds that are lost, mis-appropriated or mis-managed by initially the Tory party and then the Labour party. The two words ‘piss-up’ and ‘brewery’ come to mind!

Or is it, as has been recently announced by Labour, just an excuse to access the bank accounts of all those who claim benefits? Just another example of the carrot being replaced by the stick once again?

Description of cartoon for those using screen reading software

Keir Starmer is standing behind a BBC microphone holding in his hand a script with the words ‘Billions stolen on benefits’. Other pieces of paper are spewing out of a printer behind him with ‘Fraud, fraud, fraud’, ‘Disabled are all workshy scroungers’ and ‘disabled costing billions in fraudulant claims’. Sitting at a computer is Labour MP Liz Kendall who is saying: “I wonder what they’ll say if they ever find out that we’re just recycling old Tory lies?!”. Starmer replies: “Don’t start thinking Liz – just keep with the programme!”.

6 Oct

Crippen hears how Mo Stewart informs the new Advisory Board

Posted by crippencartoons in Uncategorized. Tagged: , , , , , , , .

Remember how Labour decided to ignore disabled people when it sent out invitations for people to join their new Labour Market Advisory Board?

Well, our good friend disabled researcher Mo Stewart has now been invited to provide information to the Advisory Board regarding the identified public health crisis and preventable harm created by UK social policy primary legislation. Certainly a step in the right direction eh?!

The sort of information that Mo will be providing is well documented, mostly from her own work as research lead of the preventable harm project and from her many publications including ‘The public health crisis created by UK social policy reforms’.

Mo addresses her concerns to Professor Paul Gregg, Chair of the new Advisory Board and also Professor of Economic and Social Policy in the Dept of Social and Policy Sciences, University of Bath. She has kindly shared these concerns with me, which, with her permission I will now share with you.

Mo notes that the Advisory Board boasts significant members but no disabled member, and certainly no one with any expertise regarding the identified government induced public health crisis now ongoing in the UK. This crisis is negatively impacting on the health, wellbeing and survival of many of the chronically ill and disabled community who are unable to work.

It is also linked to a disturbing number of suicides of some of those in greatest need following relentless intimidation by the Department for Work and Pensions (DWP) when adopting the politics of fear using the fatally flawed Work Capability Assessment (WCA) to restrict disability benefit access. This was also identified by Professor Jonathan Portes as ‘one of the biggest social policy failures in the past 20-30 years.’

She also notes that Liz Kendall, the Secretary of State for Work and Pensions for the Labour administration, has invited the involvement of the new Advisory Board when working towards her planned White Paper. However, her comments since taking office demonstrates the same disturbing commentary as the previous Conservative administration regarding the numbers of people who claim disability benefits. This continuing demonisation of chronically ill and disabled people who are not in paid employment, is based on fake news and right-leaning ideology.

Mo tells Professor Gregg that, whilst she fully comprehends that he has a job to do, he should also consider that there has never been any evidence of vast numbers of fake disability benefit claims. That the hostile political rhetoric attacking disability benefit claimants adopted since 2010 by the various governments has worked well, as indicated by the rise in prosecuted disability hate crimes which climbed by 213% during the Coalition government‘s term in office (2010-15). All this of course aided by the tabloid press.

Mo concludes by reminding Professor Gregg that we are living in very dark and dangerous times since the adoption of neoliberal politics in the UK. This, coupled with the influence of corporate America with UK social policy reforms since 1992, and the adoption of social policies introduced using a fiscal priority whilst disregarding the health, wellbeing and survival of those in greatest need, has guaranteed that many people would be ‘killed by the state’ with no-one held to account.

Further, there is a disturbing history of preventable harm against those in greatest need created by successive UK neoliberal administrations and identified by a multitude of academics from a variety of universities, which is detailed in published evidence routinely disregarded by the DWP.

Well, that should give Professor Gregg and his colleagues on the Advisory Board food for thought. … Let’s see what they do with it?

NB: What’s also worrying is that years later, Sir Iain Duncan Smith, the former Secretary of State for Work and Pensions for the Coalition administration is still attacking the disabled community ‘languishing on benefit’ in his column in the Telegraph, without providing any evidence. It would appear that this man has a habit of using false statistics to gain attention to his hostile rhetoric and has even been challenged by the UK Statistics Authority who identified his many claims advising that they were ‘unsupported by the official statistics’. It’s also worrying that he now appears to be an advisor to the Labour government.

Description of cartoon for those using screen reading software

Professor Paul Gregg, Chair of the new Labour Market Advisory Board is sat at a large table. He is wearing informal clothing and is holding a document that says ‘Preventable harm project’ whilst on the table in front of him are other documents reading ‘Killed by the state’ and ‘High rate of suicide’. Alongside of him are a suited man and a woman and also Iain Duncan Smith (IDS) who is wearing an ID badge with ‘DWP Advisor’ printed upon it. Gregg is asking: “So is someone going to tell me who this Mo Stewart is?!”. The man and the woman are both saying; “Er …” whilst IDS is thinking: “Oh shit!”

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