I draw the hon. Member's attention to the fact that the figures from Trade Indemnity are not comprehensive, as they relate only to the businesses where Trade Indemnity has a liability. I also draw his attention to the fact that, although insolvencies are always a matter of regret, the percentage of the total stock of businesses that encountered insolvency in 1990 was in no way out of line with the experience of the 1980s. A dynamic economy will always feature a high turnover of firms.