Mr. Adrian Cummins:

I will make one point on landlords. We have a situation at the moment where landlords are profiteering by adding interest on arrears of rent due from businesses. As 80% of our businesses are rented, we need to have a better process in place to regulate properly what is going on in the industry. I am aware of a huge number of businesses that are really suffering. Their mental health is suffering because of the pressure these landlords are putting them under. Maybe it is because they have to pay the banks but it does not feel like we are all in this together or that there is burden-sharing at the moment with regard to this issue.