As the dust settles on the government’s landmark changes to children’s special educational needs and disabilities provision, what will their impact really be on young people, their families and schools? John Harris and Kiran Stacey look at what we know so far. And, a growing backlash from graduates over student loan payments, led by the influential consumer champion Martin Lewis, is causing a headache the government was not anticipating. Why did they overlook this and what changes could be made?
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一个秘鲁贫民窟的居民，在自己的房子里住了几十年，但当他拿着一张手写“地契”去银行贷款时，那张纸在银行眼里毫无价值。没有正式产权，就无法抵押贷款；没有贷款，就没有创业资本；没有资本，就只能在非正规经济中挣扎。这套住房对他来说只是资产，而不是资本，因为它无法进入市场体系，无法产生流动性，也无法参与资本计算。