Mr. Fred Matthews:

The nub of the matter is that small and medium enterprises are independent and different. There is a bit of a maverick about them as they act in ways that others may not. It may not be easy to find a certain element and that must be encompassed in whatever system is put in place for small and medium enterprises. It is against the grain for any of us to look for something. One may feel awkward or remiss or rejected if somebody is looking for a form. These business people need help and are not looking for a hand-out. Nobody wants to do that.