liam, you're wetherspoons in you're in the wetherspoons in guildford. people guildford. what are people saying ? saying there? >> i'm indeed i'm in wetherspoons on a friday lunchtime. my natural environment since i've come down here to this commuter town south of london, because i was recently with the chancellor , recently with the chancellor, jeremy hunt, asking him about these national insurance changes . we've had two big tax changes .we've had two big tax changes from the tories in recent months. in january, the tories lowered their headline rate of national insurance for employees from 12 to 10. and on saturday it goes down again from 10 to 8. those two changes for the average worker worth something like 800 to £900 a year in safe taxation, that's quite a lot of money. but as you rightly say, and as i quizzed the chancellor earlier, these tax cuts are more than offset by what we call fiscal drag by tax thresholds being frozen. the personal allowance at about 12,500 pounds, where you start paying, the headline rate of income tax and the upper rate of income tax. lo