Don't agree with a lot of what you post, Oaky. Not that you would give a f**k about that [emoji3] I think this is a really good post tho. Ahem not that you'd give a f**k about that either. Tax credits are a f**king nightmare tho, especially for the self-employed. I work in that field so I see the problems every day. Issues with Tax Credits and the immediate ending of Jobseekers Allowance when someone goes self employed can be catastrophic. The much maligned Universal Credit actually mitigates that problem. Your comment about whether food banks drive want rather than fulfil need may be controversial but I get it. When my clients need to visit a food bank it's almost always down to desperation. However, I recently had a case where a client received a food bank delivery (yes delivery) that he didn't need or ask for