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I note the point that my hon. Friend makes about the clunkiness of existing measures, and obviously we are looking at the point raised by my right hon. Friend Richard Graham refers to the accessibility of the loans. The Government guarantee to the banks through the British Business Bank is in order to provide a massive incentive to making the loans available to solvent businesses as quickly as possible, but I hear his concerns, and they are reflected in the design and in conversations that we are having with the banks.