As a representative democracy the UK electorate only vote for their local candidate. In the last 20 years we have seen the rise of "tactical voting," - this was cited as one of the main reasons for Labour's landslide in '97. Do you believe tactical voting hurts our democracy?

Does your local area have enough safe crossings for children outside schools? Safety around schools can be a big issue, as highlighted by http://twitter.com/kidscrossafely and http://twitter.com/Rosiecosy/ - do you think local authorities do enough in your area regarding safe crossing for children?

Time to take the pulse of the AnswerBank newsgroup. I have included several smaller parties as requested.

When it comes to insurance claims we can all find dealing with our insurance companies a pain - especially when the accident wasn't even our fault. With this in mind, have you, or would you, ever "exaggerate" a motor insurance claim?