Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

Could the representatives of the agencies deal with that in the context of cash accounting? They might also pursue the issue of overdrafts in terms of access to working capital. I ask them to boil it down to basics. Each of them might give me a flavour of what it is like at the front line for small and medium-sized enterprises that are trying to stay in business. The groups that are under pressure - I refer to businesses employing 20 or 30 people - are the backbone of our economy and support the multinational sector. I would like to hear the thoughts of the witnesses on the matter. Perhaps a representative of Chambers Ireland might respond at the outset.