The arts and crafts architecture of Letchworth and Welwyn Garden City is now hugely admired. Remember much of it was stimulated through open competition.

Throughout the ages it has always been possible to point to good and bad architecture.

Businesses create every penny of the wealth we need to pay for our nation's schools, our NHS and our pensions. They are our only path to prosperity.

I've always thought that the level of homelessness in society is likely to be a truer measure of how civilised we are then almost any other factor.

If there is a moment when it is possible to intervene in the chaotic life of a homeless person, it is when they turn up as an NHS patient.

Of course homelessness has many causes and the solutions are often frustratingly complex.