Martin hears your ‘money-festo’ ideas – if you could change one consumer law or rule, what would it be – and why? He and Nihal are joined by former government adviser and policy expert Polly MacKenzie – to assess how practical the suggestions are – as our very own “Polly-filter”. Could we regulate shrinkflation, give parents that chance to book term-time holidays, offer tax-cuts for downsizers, or make the morning commute tax deductible? And would any of those ideas actually work?