Fair By Design's vision is a UK where poor and low income people pay a fair price for essential services. People in poverty pay more for a range of products including energy, through expensive tariffs; loans and credit cards, via higher interest roans; and insurance, because of costlier premiums for living in certain postcodes. This is known as the poverty premium. We collaborate with industry, government, and regulators to design out the poverty premium. Our Venture Fund provides capital to help grow innovative and scalable ventures developing products that help make markets fairer. Ascension manages the Fair By Design Fund. Fair By Design's policy and advocacy work is run by the Barrow Cadbury Trust on behalf of a group of foundations.