Ms Sophie Ridley:

I will answer the question on the effect on people. Individuals are not sure how long their payments are going to last. They are looking at children going back to school in September, with uniforms and book lists, and then at Christmas. They have no idea whether they are going to be able to pay their mortgages or buy Christmas presents. SMEs have no idea how long they have to budget for. They are approaching their banks and are not getting much help. These people are really suffering. We are an industry of people who come up with solutions and we have no control. We cannot come up with a solution. All of the members of our committee, and I am sure the other committees, have had really sad and painful phone calls from people who have closed their businesses. They cannot see the light of day and do not know how for much longer this will go on. I refer also to mental health issues. Bressie, our spokesman, speaks to that much more ably than I can. One of the things we are asking for is funding for mental health support for our members. As I say, we are an industry of doers and at the moment we cannot do. We cannot see when we will be back to doing things. It has a really bad effect on people's morale.