I liked the Conservative “Haynes Manual” entitled “Breakdown Britain”. It is the ideal size for reading on the toilet and so it will be read (but probably more by men than women). Chapter 3 “Loss of power - Personal Debt” refers to “Individual Voluntary Agreements”. They are, in fact, “Individual Voluntary Arrangements” (“I.V.A.’s"). It is a shame that this error occurred because people who are in I.V.A.’s are not likely to vote for the incumbent government and so are natural Conservative voters.