then insurance. so if you are working, then that insurance. so if you are working, then that should have some sort of an effect, then that should have some sort of an effect, but i think if you are working. an effect, but i think if you are working. it an effect, but i think if you are working, it is worth having a look at how working, it is worth having a look at how you working, it is worth having a look at how you can mitigate your tax payments at how you can mitigate your tax payments generally. as kevin said, we do payments generally. as kevin said, we do have payments generally. as kevin said, we do have a problem with the freezing we do have a problem with the freezing of the income tax band because freezing of the income tax band because that has frozen at £12,575, that is because that has frozen at £12,575, that is how because that has frozen at £12,575, that is how much you have to earn before that is how much you have to earn before you that is