One of the biggest gaps that has occupied our thinking is the non-VAT registered microbusiness. Now, the reason that we built in that particular piece of criteria into phase 1 of ERF was to avoid significant fraud, because it enabled us to check the address of a business, the existence of a business. Moving forward, the Scottish Government have introduced a model that we were considering, which is essentially a bursary. That might be the option that we settle on. But one thing is for sure: we wish to address that particular segment of the economy.

In terms of sole traders that have recently taken up employment and some of the other gaps that Russell George highlighted, in many respects, these are welfare matters that may require the attention of officials who are concerned with the discretionary assistance fund, and across departments, we're looking at how we can utilise an enhanced discretionary assistance fund for the purpose of filling in some of these gaps. 

We had to set cut-offs at some point in terms of the level of grants that businesses would receive. In terms of tapering rates relief in the future, it's something that I'll certainly be discussing with my colleagues, principally the finance Minister. And I'd share Russell George's congratulations of Powys council, which has, I think, consistently, week on week, been at the front of getting grants out to businesses. In the first few days, I think within the first week, they managed to administer 2,000 grants, which was very impressive.

The UK Government has indicated that it will be publishing all of the English councils' performance, and given that that is likely to happen very soon across the border, I think it makes sense that we consider it here, but I've also asked UK Government to publish, if you like, a league table for the high-street back-ups with regard to the coronavirus business interruption loan scheme, so that we can check which of the banks really are stepping up and which are failing their customers.

The next stage of the Development Bank of Wales COVID-19 loan scheme could attract money from UK Government. We've certainly asked for it and the development bank itself has applied to become a CBILS lender. That would provide huge opportunity in terms of being able to provide more money sooner for Welsh businesses. It's quite a staggering fact that the Development Bank of Wales, in contrast to what's happening with CBILS, has assured us that it will be able to get money out of the door for all of the successful applicants by the end of this month. That's a pretty impressive achievement if they are able to deliver on that.

There will be, as we consider the reset and recovery, there will be huge opportunities. Of course, certain sectors will contract, certain sectors will change considerably, but there will also be many opportunities, and we wish to make sure that we've got the support mechanisms. There's a huge amount of thought at the moment going into this concerning how we can embrace and exploit emerging opportunities that will be driven largely by behavioural change. 

Russell George has identified one particular sector that will require a lengthier period of support—that being the visitor economy. I've already taken up a UK Government Minister's concern of the tourism sector and other sectors and sub-sectors that will likely require further support in the months ahead, particularly with regard to the job retention scheme.

I'm also aware of many conversations that have taken place that are involving the Deputy Minister for Culture, Sport and Tourism on a UK basis to examine what sector-wide support may be offered across Great Britain and Northern Ireland. There is a need, I think, once we begin to emerge from coronavirus, to consider what protocols as well need to be introduced in order to safely resume the visitor economy across Wales. Those protocols, if they were to be certified, could give assurance to customers and to visitors that businesses are complying with post-COVID-19 requirements in order to operate successfully, and I think that's the safest way to resume activities in this important sector.