2012 2020 activity rate affordability Audit autumn statement benefit benefits budget budget 2011 Budget 2012 budget response child benefit child care child outcomes childcare children Commission on Living Standards conditionality council tax council tax benefit credit creditworthy david willetts Debt debt target degree demographics Donald Hirsch earnings economic recovery economy education election elizabeth washbrook employment employment rate families female employment flexible future jobs fund Gavin Kelly GDP generation rent gregg growth growth without gain high pay holmes home hourglass house household finances Housing IFS in-work inequality inflation institutional investment international Ipsos MORI James Plunkett jane waldfogel jared bernstein job security jobs jobs gap labour market lane kenworthy lee savage letting agents Liam Wren-Lewis living standards living wage Louisa Darian low pay low pay commission low pay threshold low to middle income low wages low-to-middle earners machin mayhew Mike Brewer minimum wage missing out mobility nick boles mp non-employment rate nursery OECD older on your marks part-time personal tax allowance polarisation politicians poll polling population poverty press release projections rental renting Resolution Foundation routine jobs sanctions shelter skills social social mobility social mobility foundation spending Spending Review squeeze Squeezed Britain Squeezed Britain 2013 Squeezed Middle submission sutton trust system tax tax credits tenure think tank think-tank unemployment universal Universal Credit Vidhya Alakeson wages who gains from growth Work work incentives workers working families working mums working parents Youth unemployment