Mr. Adrian Cummins:

That is a very good question. The SME Recovery Plan authored by Mr. John A. Moran and to which my organisation and many of the other organisations represented here today contributed identifies the credit review office as the appropriate agency to examine viability. Businesses that were viable prior to Covid should be looked after. Any question marks over a business's viability prior to Covid can be very quickly cleared up through an independent review. We believe the Credit Review Office should be responsible for that task. During the previous crisis, it worked with the banks and I think it can do its work again. However, we need to get cash and grants moving to inject liquidity into businesses. There are many suppliers in our sector that need to be paid and there is a significant amount of outstanding legacy debt. If we do not address that, the domino effect will lead to redundancies and the collapse of businesses throughout the country.