Jonathan O'Brien (Cork North Central, Sinn Fein) | Oireachtas source

I wish to ask Ms Smith a question. She said that changes in the industry have led to credit terms being tightened for the independent sector. Does the same apply to multiples? Is the independent sector more vulnerable due to its smaller market share? Is there an additional pressure on independent retailers with regard to credit? Have credit terms tightened across the board? Does it vary with the type of business?