Transcript

Welcome to this meeting of the Surrey Local Firefighters' Pension Board. A couple of quick housekeeping points in line with the openness of Local Government Bodies Regulations 2014. Anyone attending today's meeting, including members of the Board, can film, record and or use social media, provided that this does not disturb the business of the meeting. And please note the meeting is in public and is being live webcast. And can I ask board members and anyone presenting to speak clearly and directly into their microphones. So thank you very much. And I think we have colleagues from XPS on the line. Good morning. Good morning. Good morning. Good morning. Okay, so apologies. We have none. In fact, we're very well attended, aren't we? We've got our substitute here as well. So thanks very much for attending. Minutes from the previous meeting, 25th of July. Can I ask if they can be agreed as a true record of the meetings? Thank you. Thank you. Agreed. Declarations of interest. Does anyone have a declaration? No. And we have no members' questions, public questions or petitions. Okay. So let's move on to the action tracker, action and recommending tracker, if we can. So we have updates in the right-hand column here. So apologies for that. We have the recommendations tracker. Can I ask if there are any questions? I'll just go through one by one. As I said, you can see the comments in the next to last column with an update. So the first one is – the first one there is a – oh, sorry. Just a quick comment there. It does say we await a response from XPS on that particular one, the GMP exercise. Is that something that XPS can comment on at this stage? I'll have to take that away and come back to you with regards to that answer. Would you like me to respond to that separately? Yes. If you can perhaps send us a response, we can send it – we can distribute it to the board in advance of that. Great. Thank you. In advance of our next meeting, that would be helpful. Yeah. Thank you. A121, which is about address tracing. We've got no specific update on that. This – I mean, this is quite an old point, so I'm just wondering what's holding up on that, which I think – can I ask XPS if they have a comment on that? Sorry. Sorry. Apologies again. I'll have to come back as well on that one. Yeah. Could I suggest that before each meeting there's a liaison with the fire service, and in particular, if you can – I mean, these are open minutes, so they can be seen, so it would be good to have a go-through on the points so that we can make sure we've got the most up-to-date comments in the papers rather than effectively waiting six months for a response on these. Okay. So, next one is A722. Again, this is quite similar to last time, which is about email addresses. So, again, could you come back to us – well, sorry, this is a pensions team working with SPS. So, it's a long-standing issue, is that right? Yes, it is. This one is getting the data over to them on a regular basis, but yes. So, are we adding email addresses, or are we providing them as we obtain them? I think on this point, and possibly going as part of the dashboard programme, it's all going to be data that we need to be providing for that. So, it's possible we can amalgamate those into a new action point. It's something we're going to need to continue to do, so I'd be happy to support that. So, are we providing email addresses when we know them? We are. We are. So, it's business as usual. So, I'd be happy to – Sorry. So, yes, email addresses of the AU, the ones where we have trouble keeping it up to date, rather than the action points. Right. Okay. So, let's drop – one of the email addresses moves to business as usual. That's agreed. And I'm happy to drop the other one, but I think we do need a – at the next meeting, in fact, at every meeting, we're going to need a report on the dashboard. Yeah, and I think I've added it at the bottom of this one because I think that's going to form part of the meeting. Excellent. Okay. So, that's agreed. We'll – thank you. We'll move on. 3623, I think. McLeod. Is there something we could discuss in the – in your report? Would that be the best? Yeah, that's fine. I can refer to that one when I do the report. Yeah. Okay. Thank you. A124. Again, more McLeod. It's talking about annual business statements, and I guess we'll get to that, won't we, when we – in your report. Yeah, I'll cover that off. Can you report? No worries. Okay. A224. Again, annual benefit statements. So, let's talk about that in your report. Would that be fine? Yeah, that's fine. Yeah. And we've got a number which are complete, being asked to mark A624 as complete, if that's agreed. And A724 is unit 4, well, we'll discuss it in your report. A824, we've included the RAG ratings, so that could be not complete, if that's agreed. A924, well, still open, but again, we'll cover it in your report, if that's all right. A1024, again, that's GMP, so again, if we can have an update from XPS. A1124 is complete, and A24 – well, we have a new report, don't we, from XPS. So, that particular issue, when we deal with the report, that's all right. Sorry, we've ambled through those points, but is the committee, does the board help agree with that? Thank you. So, we've got all that. Thank you. Thank you. And we've got a number that are marked as closed as well. So, scheme management update report. So, this is item six. So, over to Danny and the crew. Thank you. Thank you. So, in the scheme management report, firstly relating to McLeod on the age discrimination remedy, the pensions team continue to work on that particular data collection exercise, and with those other authorities, to ensure that we are able to do so. And, obviously, the SharePoint site, as I mentioned in the report, will be continually updated to reflect. In terms of when that's going to be seen. I think the time was given out end of November, and it seems that that's going to be delayed. So, the comms need to go out just to keep members updated in terms of what the new timelines are. And, I guess, as a, for this. We've missed the deadline. So, for the annual benefit statements, they should have been issued by the. And, again, because of the active data missing. But, for that period, the HMRC, although we are liable. Thanks, Chair. So, just quickly for your information, I've been contacted by a retired member who still hasn't had any information with regard to their remedial services. So, just to see where we are. So, with regards to the order and how many we have outstanding for the immediate choice. Again, I will have to go and get the numbers to see how many and what data that we are waiting for. I do know that emails have gone out recently from our McCloud projects team who are dealing with the immediate choice cohort for any outstanding data. But, I can also do that whilst I'm on this call, if that's useful. Yes, please, if you could. Yeah. Thank you. Okay. And, Richard. Thank you. Missing the deadline for RSS. Sorry. And, besides reporting regulator, we're updating our breaches log as well, I hope. Yeah. Okay. Thank you. Sorry. That was one of the questions. Okay. But, just as a foot, can that be checked? Because, I think inter-original one was obviously done, but we need to look at this one as well, now again. Can I just understand one of the points? If members are affected by McCloud, we've got an extra period for that. So, for the McCloud legislation, the pension, so for that whole period from 2015 to 2023, that's got a different reporting procedure to the rest of, but it shouldn't affect too many people. Thank you. Thank you. I know the LGPS pension scheme has had, within Surrey, has had similar points, and I know they've managed to get out, I think, well over 90% of their reports. Now, of course, there are 350 employers in the LGPS scheme. So, the county, while it's the biggest, nevertheless, it's only pot. So, could I suggest having a word with the LGPS team and, you know, they've got a similar problem, and although they're doing the reporting rather than XPS for ourselves, you know, they've managed to, you know, get data, maybe because it's larger, they're higher in the pecking order, but I just think it would be well worth discussing this with the LGPS team, just to see, well, we've done this, how about that? How about that? And, and I think it would be just useful to keep in, keep in. Well, I think, yes, by all means, pick it up right away. And, and we've got XPS on the call. So, so if they can note that we'll be in contact with them on that particular issue. Um, and you raise a good point, Richard, if, if, um, we've got an update on something we've, where we previously reported, um, uh, an issue with, with the regulator, well, by all means, if we open this letter by confirming that previous problems are resolved, I think that's always helpful. Thank you. Uh, so any, any more on this particular aspect? No? Back to your report. Thank you. Um, I will just sort of skip forward to the resourcing, if that's okay, because they relate. The resourcing of the team, um, is much better now, luckily. Yeah, I could go back to the legal. I, I don't recall them giving us a timeline, which is why we've sort of dragged our hills a little bit on it and let other things take priority. Two taking parts, so 93, um, so far interested. We've had, um, calculations for 83 and statements sent to them and hopefully get the rest also completed, um, subsequently. Of the elections, elections forms sent back, there are 21 so far from that number. So the focus at the moment, um, in addition to obviously getting those statements out is also on the next session with payroll and the income generation. Sorry, not income generation, um, the pensions team and the income management team, um, who are able to facilitate and support us in that. And I think as Janine mentioned. And we're still, um, sorry to interrupt, but we're still, um, confident of the deadline. It's March, isn't it? Yes, um, we contact everybody who's eligible for this options exercise. Um, so we do need to do that. Um, but the timeline with regards to that, if we're tracing people and we don't trace them to allow specifically for that group of members. Um, I mean, we do, I mean, we've talked about tracing before. It would be good to actually, you know, just do them all together. Um, uh, if we can't do, uh, you know, that would seem to be sensible. Yeah, absolutely. Yeah, just an update on that. We do, we're at the very last stage. The contract is with legal. Hasn't this been with them some time? Yeah, it has. It has come back to us and we are in discussion with them over, um, the risk elements of it from a, information data perspective. Um, I don't think that's insurmountable. We just need to make sure that we're happy with the risk that it poses. Other services have used it and would have, you know, a response. And, uh, I'm, I'm, I'm, I'm, I'm frankly mystified why it takes so long because lots of organization. Sally, would an inspiration from yourself or, or me, um, help in that regard. I'm happy to sign something appropriately. And we'll be able to progress with that. Yeah. I hesitate to raise this point and I will. Um, if we're asking XPS to do searching for us and it's our data, don't we have exactly the same sort of issues? Thank you. Thank you. Any, any more comments on that from the board? No. Okay. Thank you. Thanks, Nick. Um, so next is around the benefit statements. I think we've touched upon them, um, already as well. The current status is that we're waiting on the payroll data to come forward so that we can then obviously send that on to XPS to start producing these statements. Uh, we spoke about the pensions regulator and we will follow that up. Of course. Um, it's worth no trial phase or a testing phase of, of getting these reports out the system out of unit four. Um, they did say they respond by the end of that week. And, um, unfortunately we didn't have a response with chase that response, waiting on a response, um, which I chose again yesterday and prior to that. So I think the Janine's idea obviously about bringing those meetings in will hopefully help with some of the moving forward. But right now we need to get a response back on a state of play. Any. Can I just ask, um, and this is maybe a, we talked about the regulator a number of times. Is there any, uh, obligation to go, to go back to the scheme advisory board or to record along these lines? I'm, I'm not sure if there's an obligation per se, um, but information. Hmm. I, I think only if there's, uh, if we can see there's a need for it. And, uh, um, I mean, it's not, just only if there's a need, I think. Thank you. Um, so GMP, we're, we will, um, look to XPS for, um, outside of the meeting. Yes, absolutely. Um, the next one is the pensions dashboard, which I know we've referred to as the expectation for that to be delivered. Okay. In terms of, um, pre-retirement courses, uh, they had, um, feedback from the first two courses was really positive. So we have, um, a second course which ran in September and another one's being planned next March or April at this stage. So we will continue to provide those expenses to do so. Training for the LGA, uh, with the LGA, sorry, is due in June 25 for us all. And that's been booked in on this, um, to get an update on where they are at. Unfortunately, we haven't had a response yet. Um, we will continue to chase that and try and find out what the status is of those. Um, the communications, uh, piece, um, is ongoing. We haven't had as many as we would like put out into that space and we, we accept that. And there is, um, a plan moving forward to bring that back to where it needs to be and ensure that we have the news items and updates of updates as we go forward if they're in specific groups. There has, however, been an increase in the usage of the SharePoint site. Um, every quarter, quarter on quarter, um, and seeing that usage, um, move forward. The key one, um, every time seems to be on XPS administration. That's, that's one of the popular ones, but also obviously on the schemes themselves. So they seem to be quite consistent in the numbers that are visiting them. This time around, we did have the homepage and it was one that was high up there for obvious reasons. So, and then finally, just the risk management. Um, so those risk registers have been, have been reviewed. Any final questions, comments? No. Thank you very much, uh, Danny and your team. And, uh, we're, we're asked to, uh, note the report. Is that agreed? Thank you. Okay. Um, so over to, um, XPS, um, Sharon, I hope you're there. I am. Yes. If, would you like me to just give you an update, um, on the previous question regarding the immediate choice cohort? Uh, yes, indeed. And, um, and also just to welcome a, uh, a very, uh, you know, a new report, uh, with more information. So very pleased about that, but yes, if you can give us an update, please. Okay. Um, so the team that are dealing with the immediate choice cohorts or the immediate choice, sorry, the immediate choice cohort are the, um, members who have previously retired pre October 23. So in that cohort, we had a total of 230 and of those 230, 29 have been sent. Now there is a production schedule as Danny, um, mentioned as well, that, um, is in line with the LGA guidelines as to the order of those recalculations. Um, but also what's happened as well in the meantime is a lot of the calculations had to be put on hold, um, not just obviously for yourselves, but, uh, for everybody, um, who had originally taken a maximum lump sum. And this was due to issues with the, um, the guidance for the tax offsetting with HMRC. That has recently been resolved, um, with, from HMRC. However, we didn't believe that it gave sufficient clarity, um, to progress the calculations, um, for those tax affected members. So we did allocate some senior technical resource to support this and interpret, you know, the complex guidance. And it's our aim now to begin issuing the statements for those tax affected members who originally opted, um, for the maximum lump sum. And we are looking to do that in, uh, the month of December. Anybody got any questions on, on that? No, I don't think so. Thank you. Okay. Um, so just moving on to the report, um, as you're saying, it's a slightly new format. Um, unless anybody wishes me to do so, I won't go through this page by page. Um, just look at the headlines. And if anybody has got any questions, then I can, um, try my best to, to explain, uh, those particular areas. Okay. So as you can see, the overall membership has been relatively static over the past couple of quarters, you can, you can see the change there, which is due to, um, firefighters who have retired members who have retired. Um, we've touched on the scheme and, uh, legislative, uh, requirements, which is the ABS and RSS production. Um, the RSS production, um, we are currently sending for the IC cohort. So the immediate, uh, the immediate choice cohort, but until we receive the year end data, um, again, as Danny and Janine have, uh, have explained, unfortunately, we are not in a position to provide the ABS or the ABS RSS, um, which in turn has a knock on effect for the, uh, remedial role. So the RPSS and the PSS for 23-24, um, again, the, the, the guidelines, sorry, the, uh, deadlines for those dates, Janine has explained there. And, uh, and that is the case that we do have, or the, that the member has an additional three months beyond receipt of the RPSS, but the deadline for the PSS for 23-24 does remain at the 31st of January, and they do go hand in hand so that if, uh, if a member is due a PSS for 23-24, then the likelihood is there would also be the requirement for an RPSS prior to that. The SLA, um, has dropped slightly from the last quarter down to 62% from 63. So I'm just moving my, my slide there. Looking at the, um, lump sum payments, we have added October in there, but the report is, is due to the, uh, end quarter of September. So there was four retirements in September, um, 75%. So, so one of them was before the seven days after retirement, three after seven days of retirement for that lump sum payment. This was due to, um, again, the complexity of the calculations. If somebody is, is, is retiring, um, obviously post October, 2023, the options then have to be dealt with from a cloud basis. And they are dealt with at the time of retirement. We've had none for the month of October. Again, you can see there across all police and fire schemes for XPS. The percentage and how many cases or 289 for the month of September. Could I, uh, could I ask, um, on that particular one where it's seven plus days? Uh, I mean, if it's eight, that's understandable, but if it's 38 or 38, that would be concerning. So where there's a, um, where it goes into the seven plus days category, it would be useful to know, you know, what, what, what the dates were really. Yeah. I'm sure that the board would find that a, a helpful. Yeah, I'll, I'll take that away. I will, I will see if we can, we can maybe, um, highlight, um, sort of at the end of the report going forward, the exact number of days, if it has exceeded seven. That would be helpful. Yes. Thank you. Yeah. Um, yeah, definitely. Definitely. I agree. Thanks, Chair. I'm wondering, um, those timelines for, for our members versus all of XPS's clients. Um, I think we're considerably worse off in terms of those numbers. You know, just interested to understand why that is in terms of those percentages are significantly higher for our, our members. For the 75%? Well, just across the, across the year. You're looking in terms of, you know, May 100%, July 40%. And if you compare, compare that with the, all your clients, you know, 37% in May, um, 21% in July, 11% in September compared to 75%. It's, yeah, a lot higher for, for our, our members. Just wondering if there's a reason for that. I, I mean, I guess, Gwen, if the, the numbers are so small, you know. Yeah. One person is 25%, then it, you know, it's easy to be much better or easy to be much worse, depending on, you know, how one calculation is computer. That, that would be my, uh, comments, but. Yeah, I think that, I think that's correct. And I think, I think Graham last time, um, uh, sort of agreed as, uh, as well. Um, the, the reason behind, um, cases going beyond the seven days, whether it be one case, I think for fire or, or more is due to the, the added complexities as well with, with, you retained obviously, and, um, the McLeod as well, uh, multiple employment sometimes. So I, I think that, you know, that, that, that is why we've got three beyond seven days and obviously one, um, that has, uh, been paid within the seven day period. But I'll try and get a little bit more analysis, I think, going forward with, you know, the number of days and maybe even a little bit of a background if you'd find that useful as to, to, to, to, to why, um, there is a complexity beyond seven days. Thank you. Uh, Sally? I, I think that would be helpful because I think. Yeah, that's fine. That's fine. I can do that for the next report. Moving on to obviously the, the numbers for the ABS RSS issuance, um, as you can appreciate because of the, the, the data, the year end data, um, that we are still waiting for that the production is zero. You can see there that we have the, um, ABS is due 607. Um, and then we've got 279 post 2012 and 328 of those as well are expected for the 2015 scheme only. Errors on complaints. We've got no new, um, eras or comp. Excuse me. Could I just mention on this report, you've got small click down arrows. Um, you can't actually click down on these because I guess this is a PDF of a, of a report, but what, what would they, um, what would I see if I could click down? There would be for a different client. Right. I believe, I believe that obviously Graham, Graham's just extracted that across, um, and that would just give us the figures obviously for, for sorry fire because it is, it's, it's one control file that we use for, for all of our, our clients. So I should just ignore those little arrows. Yeah. Thank you. Thanks a lot. Errors on complaints. Um, we have no, um, current live cases. Could I ask, uh, I'm sorry if these are detailed questions, but it's the first time we've seen this. And it's, it's actually very helpful to, you know, get, get, um, you know, further detail, but it, it can be a bit complex putting your, um, mind around some of the new formats. Um, what sort of, we've got 10 completed cases, 10 total cases. Over what period are you looking at for, um, for that? I mean, how far back does that go? So this, this, this I believe will be from the beginning of this year. So from January, but again, I think just to, just to be sure, I will confirm that that is the date that this covers. It's not for the quarter to definitely. Thank you. Uh, Glenn. Thanks chair. I don't know if you're going to come on to that in a second in terms of the box on IDRP, um, cases. Um, and I don't know if, if Danny or yourself will, will talk about that. I've been emailed by a retired member, um, last week who is an, I, um, IDP, IDRP, sorry, um, stage two. That he's waiting for an update on. So should that be within that box? Is it as a live case? Glenn, I would have thought IDRP is something dealt with by ourselves outside. That's what I thought. But the fact that we've got a box in that report, I'm, I'm kind of wondering why that's, why that's on there in that sense. So top of that page on the right hand side, we've got IDRP description above the kind of complaints bar chart. Right. I agree. I think it's confusing. I don't think it should be there because it's an internal matter. Yeah, it's an internal, it's an internal matter. Perhaps that's better headed up just as description rather than IDRP because we're IDRP. And clearly. I was wondering whether we were somehow reporting those cases to, to XPS, which seemed a bit strange, but yeah, it is. I think, I think then it's probably just the, the heading, um, but worthwhile taking back to your team. I think. Yes, definitely. Thank you. Yep. Okay. And then moving on to member engagement. So my own pension, um, you can see the figures, um, on the report. So what I would, um, ask as well, would it be useful if I provided a report for the take up on member self service? And, um, for those members who haven't, and we can also provide the current email address that we hold, and then they can be contacted, um, by yourselves if you, if you choose to, so that they can have another opportunity to register for, um, member self service. Because going forward, once we are in a position to provide the ABS or the ABS RSS, um, then this is where they would access that information. Um, is there any, we do have a couple of questions also on this, but, uh, is the response on that particular point? That would be useful to have, to have that sort of breakdown. Yeah. Yeah. So the answer's yes. And, um, from this end, Richard. In addition, I wonder, is it possible, Sharon, that the, the use is not an easy, that there's no kind of sense to it, if that makes sense? So is there a reason why it can't be the email address? I think it's, um, I think the reason is because you can actually change your email address as to where you want that registration to have taken place. Um, member self service is available obviously to retired officers as well. And so, um, uh, retired members, sorry, apologies. So once somebody has, um, left, the likelihood is they're not going to continue to, to, to, to have the same email address that they may have originally registered with. And I think that's why the, the username has to be different. So then it means you can actually attach various email addresses to that and change as you go through your career. Which, which, which makes sense, um, is relating to various processes and it could be captured down as well. Which I'd find it strange that we've got a username which has no connection with anything. But it's a fairly relevant one. Yeah. Um, and also as well, we'll be happy to take back any feedback just in case there are anything, you know, that, that we can change or to make it, to make it easier. Um, we do do quite a lot of analysis on, you know, obviously age for, for the take up, um, um, or, or whether the members retired or active and, uh, how many times somebody has accessed, uh, member self-service throughout the year. And I know certainly for myself that, you know, I always forget my username, um, whether it be for, for my online pension projections, et cetera, or if it's just from, from outside or something from work. And if that is one of the things that stopping people going on there on a regular basis, updating their record because they are just genuinely forgetting that, then I think it's something that we do need to, to take on board and maybe simplify or try and look at simplifying, um, the access. Thank you. I just, um, Sharon, I'm noticing a text there says this is for Cleveland. Um, yes, I've just noticed that. So apologies. I will, I'll get that, get that amended. Um, Graham sent this, um, sent this over to me. So unfortunately I've not got that there to, to be able to amend it. Yeah. And it'd be useful to know whether, um, Sharon, it's, it's just the word Cleveland or it's the data as well. Um, perhaps you can confirm that outside of the meeting. Um, I will, I will do. Um, it will, it will be the, the wording and, and, and not the data, but definitely I need to confirm that for you. Yeah. Richard. It was the same point as everybody. Willow, et cetera. So I think it is more than just the word Cleveland. All right. Okay. We can have that. The one seven seven nine is different. Yeah. Yeah. Okay. Yeah. Um, sorry. Yeah. Yeah. Okay. Yeah. Um, sorry. I suspect just, just to, um, most of the points have been, um. Oh, yes. Yeah. Yes. Yeah. Perhaps a bit. And, and, and actually thinking about this historically, our, our percentage take up, I think is greater in general than your total population. So that's another reason which leads me to believe this might be. Yeah. Might be Cleveland rather than. Yeah. The, the, the entire page needs to be looked at. Okay. Okay. I'll leave it to you whether you need to disclose this as a GDPR breach. Up to you. Okay. Sally. Sorry, just one, one final reference on that. Can we have confirmation in terms of the other data that the other data is, is, is sorry data so that we've got confidence across. Yeah. In the report. Yeah. Thank you. Yes. Yeah. I shall do that. Would that be okay if I was, if, if I confirm that and send it to, uh, Danny and Janine and, and incorporate as a new report for, for them to distribute to, to everybody who would. That, that would be very helpful, please. Yeah. Thank you. And, um, and of course, um, we do appreciate this as a new system and it's going to have some teething problems, but I, I can see we are getting an extra level of information. So it is helpful. And I guess the membership, um, uh, page, which is the next one does confirm that this is, uh, that the previous sheet was Cleveland rather than ourselves as it were. Yeah. Thank you. Page eight. Okay. Yep. So we can see that the, the membership now on, on page nine, as I mentioned previously, not much movement within, um, obviously the members membership, many due to retirements and two new, two new leavers. Um, so non-retirements or membership at the period end, one thousand nine hundred and thirty six. And the data quality, um, as you can see there, I think Graham's touched upon this last time as well, that with regards to, um, addresses that we still have to report that as, um, not a hundred percent, even if the individual has not notified us of the, um, change of address themselves. Also, if there is gone away indicators, um, that also produces, um, a reduction in the hundred percent as well. And I think the, um, absence of the postcode would, would also throw that up. Yeah. Yeah. It does. Yeah. Okay. Got a couple of questions at this end. Uh, Danny. Yeah. It was just a note as well, Sharon, if you could look on sort of, like it's page nine, um, the individuals in the report are. She'll do that. Thanks. Um, uh, Sharon, the, uh, common data tables, the first one. I'm trying to look at it now. I'll get somebody to check that and I'll incorporate that with a new report that gets sent. Is that okay? Confirm. Obviously that if, if that needs to be changed, then I shall change that along with the other amendments. Sharon, I just noted you've got 3,011 member records, but on the previous page, we've only got 1936 members. Yeah, I think it, I think that looks like that's Cleveland data. Apologies. I will, I'll take, I'll take this back and, um, obviously I'll get somebody to, to look at this data. And on the same scheme specific, we have a similar problem, although slightly more records. So I think we should probably move on, uh, from this. Um, I think we like the formats, um, but, uh, we'll leave you Sharon to make sure we have the right data. Yeah. Apologies. Like I say, I will go, I will go back and get, um, this data checked and obviously make sure that, uh, it is all incorporating purely Surrey fire data and, um, get the other amendments as well made that, um, have been suggested. Yeah. I mean, I think it would be helpful Sharon if, um, uh, I don't know if, uh, if Danny was able to see this before the data was sort of put into the report, but it might be worth sending, uh, an advanced copy so it can be, you know, sufficient time to have a very quick look at it, uh, before it's incorporated in our reports. So maybe that's, um, Danny and Sharon, something you can work out ready for our next meeting. Thank you. Yeah. Sharon, I'll touch base with you in respect of that. I think, um, it came through quite late and, um, yeah, there wasn't a huge amount of time to review it as well as I'd like. Uh, yeah. Apologies, Danny, because I was under the impression that it came through, um, quite, quite some time ago and it had all been, um, not from your end, but it obviously had all been sort of finalized from this end and, and, and my intention was to just, uh, to present this obviously to the board this morning. So apologies. Um, and I certainly will be, will be taking, taking that away as well to, to, to, well, to make sure that it doesn't happen going forward as well and touch base as well with Danny and Janine on, on, um, other areas as well. That'd be great, Sharon. If I put some time in, then we can go through it. Um, yes. Thank you. Uh, finally. Sorry. Yeah. Finally, if you just wanted me to, to, you can see on the final pages as, as we've, uh, provided in the past as well, just obviously some, um, key points from the LGA and any actions but I'm sure you're aware and obviously see that on the, the monthly bulletins from the LGA. Yeah. I do find this report quite helpful in its format because it pulls out what you're considering to the, the key items. Um, I don't know, Danny, if, or others, if there are any comments about particular concerns in relation to those key actions. We can see. Yeah. I mean, they're dealing with things we're, we're aware of and have on our agenda. So, um, um, not, not, no surprises, I don't think. Um. Okay. Um, any, any further questions on the report or would you like me to, to just obviously make sure I go away and get the, uh, correct, the correct data and re reissue, reissue the report. I am quite interested in the, um, some of the appendices about the particular sorts of transactions, but I think, uh, let's leave that till we know we've actually got the, uh. Yeah. Got the correct information on the report. Yeah. Yeah. Yeah. Good. Um, Sharon, thank you very much. Any final comments, questions from the board? No. Okay. Um, so we're asked to note the report. Is that agreed? Getting some nods. Thank you. Um, we have our own, um, item eight moving on to the fire bulletins, which I think came out separately. Um, uh, obviously we've looked at some of the highlights from, uh, the, uh, XPS report. Um, could I ask if, uh, if you want to introduce that report or is there anything you want to bring to our attention? No. Nothing at the stage that hasn't already been covered in the scheme managers report. Yeah. Yeah. Yeah. And members of the board, any comments? No. Thank you. Okay. So we're asked to note the content of that report. Is that agreed? Thank you. So moving on to the risk register. Um, if I could ask Danny and Janine to introduce. Thanks, Nick. Glenn. Yeah. Thanks, Jack. I mean, in terms of obviously the risk, what will be changing in terms of the risk? I know it's going to be a more stable team, but what's stopping that becoming a problem again in the future? I suppose that's the, the, the reason for this risk register is, is how to reduce that risk going forward. Is that a plan? Yeah. So, I mean, obviously the risk, um, being reduced is due to this having resource in place to start with, because we didn't have, though had the training previously, a couple of months ago, maybe more with, um, Isio. So that for me felt that it was less of a risk and we will obviously monitor it moving forward. Um, but as. Thanks for the question. Okay. Um, any, any other comments? They were the main two changes on this. All right. All right. All right. All right. Any further comments? No? Well, thank you. Thank you very much, Danny. And, uh, we're asked to, uh, note the risk register. Is that agreed? Thank you. Um, so very last item, the next meeting is, uh, 6th of February, 2025. So, uh, wish you a happy new year and a happy Christmas. I'm sure we'll meet before then in some circumstances, but, uh, thank you very much. And, um, uh, thank you very much, Sharon, for attending and, uh, introducing the new report. And so if, if you can liaise with Danny and if we can have a kind of a, a newly verified report, then we'll distribute that to, uh, to everybody at the meeting. Um, so they're aware of it. And if there's any immediate questions from that, perhaps feed them back to Janine and, uh, Danny and, uh, we'll get some immediate answers, uh, rather than wait for another, another three months or so. Yep. That's fantastic. And I'll also update on the GMP action as well. Thank you very much. Thank you. Okay. Thank you. Thank you very much, Sharon. And meeting close. Thank you. Thank you.