accepting nominations for quarter three, july, august and september and ask you again to send them to caroline jane and william strong to continue to recognize the work done each quarter. b.i.c. to take comments not part of the agenda. >> i have some material. thank you. you can begin. >> good morning. my name is jerry dratler. a construction project across my house is root cause of unpermitted construction work. i handed out a detailed explanation. i'll highlight six of the more important root causes. number one unpermitted demolition work carriers low financial penalties because of the value of the work. the work is labor only and no materials and it is very inexpensive. number two, unpermitted construction carriers a penalty of two or nine times the permit fee. a smart contractor will pull an inexpensive building permit at the start of the construction project which will limit all future violations to a penalty of two times the permit fee because there's an existing permit. unpermitted construction penalties as they exist are not a deterrent. number three, the code enforcement process does not a

jane. thank you, jo coburn. let's assess what philip hammond's announcements mean the businesses of all sizes. let's discuss with ruth lea, carolined mike cherry, national chairman at the federation small business. mike, let's talk about small businesses, what is positive in this for you today? i think it has been really positive to small businesses, the chancellor has clearly listen to what we have been lobbying about, firstly the possible reduction in the vat threshold from 85,000 down to 20 6000. given the current economic environment in which small businesses are working, there are big challenges, so do have that threat removed almost is very, very welcome indeed. he just didn't move on that and i could sense the relief in that sense. and i would have been a huge additional administrative burden on the many small businesses that they don't have the resources to cope with at the moment. secondly, staircase tax,... you are my first guest to mention that today, i like to have something new! rape where businesses may offer —— may have more than one floor in a building service to a communal staircase or lift, there was a taxi didn'