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  Keith Bibby.
  
  The most unhealthy aspect of public spending is the benefit state. Benefits are too high and far too many people get them. I would return to a benefit system where they formed a short-term safety net only and nobody could possibly make a career out of milking them. I would do away with tax credits completely, over a period to wean people off them. I would freeze benefits for a year then have increases at half-RPI subject to a max of 3% on an ongoing basis until they are at lest 25% in real terms lower than now.
  
  The only State benefits this would not affect are State Pensions and long-term incapacity to existing claimants.
  
  I would have a new insurance based income protection instead of state incapacity for new claimants with protection for the unisurable, as I would for health - the NHS would go as it is not an efficient way to deliver it. The principal of free healthcare would not change however, only the funding method which would be modelled on the German system.
  
  I would go to town on a whole range of quangoes - the Equalities Commission would be immediately done away with for one thing. Chop masses of red tape that affect businesses and they also add to pubic spending costs too.
  
  In fact there is one thing and one thing only I would not cut - Defence, it is the most important role of government and the most important public spending.
  
  The ill-considered concept of the Welfare State itself would end.
  
  That's enough for now. As you can see I have thought about this kind of thing!!!

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