Mr. John A. Moran:

There is no silver bullet here. It is a matter of having many different measures. Having a code and an understanding of what is fair for landlords, businesses and the taxpayer, who is caught in the middle of all this, to bear is very important.

There are tools that can help. We talked in our report about bringing in examinership lite. The UK Government, as we understand it at the moment, is rushing through a new Bill on corporate insolvency to ensure that the balance of power between large banks and large landlords, on the one hand, and smaller firms, on the other, is in a different place. It is very similar to what we introduced the last time around in the context of personal insolvency. While there are improvements to be made, it is all about ensuring that firms will have more negotiating power and will not have to pay a fortune to lawyers and others to do that.