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My Lords, will my noble friend explain to us in detail what exactly the X-factor supplement is?
My Lords, it is an honour to rise to speak in your Lordships' House for the first time. My journey here has, I suspect, been a slightly less conventional one than most. I left school, aged 17, with only one rather poor A-level, and then, at the age of 18, I started work as a clerk in the City of London. Since that time I have had a career of nearly 50 years in the financial services industry....
Entered the House of Lords on 27 January 2011
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