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The greatest difficulty for the Government in this fast-deteriorating situation of no one’s making is the speed of response. My worry is that the business interruption loans package will be too clunky for most small and medium-sized businesses, and the cash grants will take too long to get to businesses before decisions are made about jobs. Will the Minister look closely at the recommendation of our right hon. Friend Greg Clark? If that were put in place, some of the recommendations made by my right hon. Friend Sir Iain Duncan Smith on universal credit would not be so important.