For example, the Advisory Group for Economic Recovery was set up in April 2020, led by Benny Higgins, to provide independent expert advice on actions that will make a difference to businesses across sectors and regions throughout Scotland; Scottish Government also convened a number of discussions with banks and other private sector investors to understand better how to facilitate financing economic recovery, culminating in the February 2021 publication of “Financing the Recovery” which highlighted the need to manage debt exposure, to finance growth opportunities and to design successor loan schemes that are ambitious, flexible and responsive to the needs of the economy.