LONDON // At any other time, a by-election in the outer regions of Glasgow would have commanded no more than a footnote in the annals of British politics.
But tomorrow's vote in the unprepossessing, former shipbuilding enclave of Inverclyde has taken on a significance that far outweighs its parliamentary merit.
It has been shaping up as a major clash between the Labour Party, for so long the overwhelmingly dominant force in Scottish politics, and the resurgent Scottish Nationalists (SNP), who want to fundamentally redraw the political map of Great Britain. At last year's general election, and despite sustaining heavy losses throughout the rest of Britain, Labour secured 41 of the 59 parliamentary seats north of the border.
But in last month's elections to the quasi-autonomous Scottish parliament, it was the SNP, with their promise of a referendum on independence from the rest of the UK within four years, who romped to victory. The results humiliated Labour candidates in hitherto unassailable strongholds.
Tomorrow's vote is the result of the death this year of David Cairns, a popular Labour MP and former minister who held the seat at the 2010 general election with a majority of more than 14,000.
It should be a cakewalk for Labour but during last month's Scottish assembly elections, the party's candidate in the area scraped home ahead of the SNP challenger with a majority of slightly more than 500.
"We know we have to win and win well," a Labour Party activist said. "Last month's elections were an unparalleled disaster for us in Scotland and were certainly not good for Ed Miliband's leadership of the party. It is vital for us that we show on Thursday that, when it comes to national parliamentary elections, we can still hold our own in Scotland."
The result will make little difference to the parliamentary arithmetic in Westminster: were the SNP to pull off the unlikeliest of victories, they would still have only seven MPs in the House of Commons.
But a defeat for Labour could have repercussions likely to shake the very foundations of the party.
Mr Miliband, who was elected last autumn as leader, has been the subject of increasing criticism from within his own party as Labour have failed to make advances, even though the Conservative-Liberal Democrat coalition government has lost support because of its spending cuts, including the loss of thousands of public sector jobs.
Last week, Mr Miliband hit the campaign trail in Inverclyde, describing the government's cuts as "reckless" and promising policies to help to overcome the area's high unemployment.
But at the weekend, he also acknowledged that his party was in trouble, saying that the Labour leadership had lost touch both with its own members and the public. In a speech to the party's national policy forum, Mr Miliband said that Labour "can only win if we change" and that power would not "come automatically".
He told delegates at the gathering: "A party created by working people, for working people, lost touch with them.
"Old Labour forgot about the public. New Labour forgot about the party. And, by the time we left office, we had lost touch with both."
In Inverclyde, the SNP are making hay with such admissions, representing themselves as the true voice of the Scottish people by promising to create jobs via a new enterprise zone.
Labour knows it will not command a 14,000-vote majority this time. But it also knows that a dramatic reduction in the figure, let alone a by-election defeat, would set party nerves jangling afresh across the country and pose further questions about the party's direction under Mr Miliband.
The Conservatives and Liberal Democrats, meanwhile, appear to have thrown in the towel. Though both are fielding candidates, they know they are so far behind Labour and the SNP that the prime minister, David Cameron, did not even bother to visit the constituency when he was in Scotland at the weekend.
Unfortunately for all the parties, the electorate does not seem that bothered by the whole affair either. The Caledonian Mercury observed: "The political parties are trying hard to engage the public's attention but, after such a momentous Scottish election just a month ago, even they are finding it hard to generate any enthusiasm for the contest."
The political pundits have Labour as odds-on favourite to retain the seat. If, by the early hours of Friday morning, the party has not, it will be very bad news indeed for Mr Miliband and for the future of a not-so-United Kingdom.
dsapsted@thenational.ae
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Men's football draw
Group A: UAE, Spain, South Africa, Jamaica
Group B: Bangladesh, Serbia, Korea
Group C: Bharat, Denmark, Kenya, USA
Group D: Oman, Austria, Rwanda
The years Ramadan fell in May
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The Bio
Hometown: Bogota, Colombia
Favourite place to relax in UAE: the desert around Al Mleiha in Sharjah or the eastern mangroves in Abu Dhabi
The one book everyone should read: 100 Years of Solitude by Gabriel Garcia Marquez. It will make your mind fly
Favourite documentary: Chasing Coral by Jeff Orlowski. It's a good reality check about one of the most valued ecosystems for humanity
23-man shortlist for next six Hall of Fame inductees
Tony Adams, David Beckham, Dennis Bergkamp, Sol Campbell, Eric Cantona, Andrew Cole, Ashley Cole, Didier Drogba, Les Ferdinand, Rio Ferdinand, Robbie Fowler, Steven Gerrard, Roy Keane, Frank Lampard, Matt Le Tissier, Michael Owen, Peter Schmeichel, Paul Scholes, John Terry, Robin van Persie, Nemanja Vidic, Patrick Viera, Ian Wright.
%E2%80%98FSO%20Safer%E2%80%99%20-%20a%20ticking%20bomb
%3Cp%3EThe%20%3Cem%3ESafer%3C%2Fem%3E%20has%20been%20moored%20off%20the%20Yemeni%20coast%20of%20Ras%20Issa%20since%201988.%3Cbr%3EThe%20Houthis%20have%20been%20blockading%20UN%20efforts%20to%20inspect%20and%20maintain%20the%20vessel%20since%202015%2C%20when%20the%20war%20between%20the%20group%20and%20the%20Yemen%20government%2C%20backed%20by%20the%20Saudi-led%20coalition%20began.%3Cbr%3ESince%20then%2C%20a%20handful%20of%20people%20acting%20as%20a%20%3Ca%20href%3D%22https%3A%2F%2Fwww.google.ae%2Furl%3Fsa%3Dt%26rct%3Dj%26q%3D%26esrc%3Ds%26source%3Dweb%26cd%3D%26ved%3D2ahUKEwiw2OfUuKr4AhVBuKQKHTTzB7cQFnoECB4QAQ%26url%3Dhttps%253A%252F%252Fwww.thenationalnews.com%252Fworld%252Fmena%252Fyemen-s-floating-bomb-tanker-millions-kept-safe-by-skeleton-crew-1.1104713%26usg%3DAOvVaw0t9FPiRsx7zK7aEYgc65Ad%22%20target%3D%22_self%22%3Eskeleton%20crew%3C%2Fa%3E%2C%20have%20performed%20rudimentary%20maintenance%20work%20to%20keep%20the%20%3Cem%3ESafer%3C%2Fem%3E%20intact.%3Cbr%3EThe%20%3Cem%3ESafer%3C%2Fem%3E%20is%20connected%20to%20a%20pipeline%20from%20the%20oil-rich%20city%20of%20Marib%2C%20and%20was%20once%20a%20hub%20for%20the%20storage%20and%20export%20of%20crude%20oil.%26nbsp%3B%3C%2Fp%3E%0A%3Cp%3EThe%20%3Cem%3ESafer%3C%2Fem%3E%E2%80%99s%20environmental%20and%20humanitarian%20impact%20may%20extend%20well%20beyond%20Yemen%2C%20experts%20believe%2C%20into%20the%20surrounding%20waters%20of%20Saudi%20Arabia%2C%20Djibouti%20and%20Eritrea%2C%20impacting%20marine-life%20and%20vital%20infrastructure%20like%20desalination%20plans%20and%20fishing%20ports.%C2%A0%3C%2Fp%3E%0A
More on Quran memorisation:
Killing of Qassem Suleimani
Key changes
Commission caps
For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:
• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term).
• On the protection component, there is a cap of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).
• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated.
• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.
• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.
Disclosure
Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.
“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”
Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.
Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.
“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.
Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.
Some of Darwish's last words
"They see their tomorrows slipping out of their reach. And though it seems to them that everything outside this reality is heaven, yet they do not want to go to that heaven. They stay, because they are afflicted with hope." - Mahmoud Darwish, to attendees of the Palestine Festival of Literature, 2008
His life in brief: Born in a village near Galilee, he lived in exile for most of his life and started writing poetry after high school. He was arrested several times by Israel for what were deemed to be inciteful poems. Most of his work focused on the love and yearning for his homeland, and he was regarded the Palestinian poet of resistance. Over the course of his life, he published more than 30 poetry collections and books of prose, with his work translated into more than 20 languages. Many of his poems were set to music by Arab composers, most significantly Marcel Khalife. Darwish died on August 9, 2008 after undergoing heart surgery in the United States. He was later buried in Ramallah where a shrine was erected in his honour.