The Covid payouts and providing free money to workers and businesses has lead to the reduction in the UK workforce, which is critically impacting the growth of our economy. High interest rates are a global problem, in some countries a lot more crippling than in this country. HOWEVER the vulnerable in our society need protection but we must stop giving money away. We should look at how we can help support people in difficult times and NONPOL would give a loan to these people, but like a student loan, they would pay back when they are on better times. The Government would have a Lien on their property to ensure there is no fraud or abuse. To resolve this long term and allow mortgage rates to be more competitive, NONPOL would establish as UK bank that provides credit and mortgages at much more competitive prices than the greedy financial market.