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People are having to deal with very complex mental health difficulties, very complex drug and alcohol difficulties or very complex issues of poverty, such as having to go to food banks or being in the throes of austerity.
There is no magic formula. Even the biggest banks got into financial difficulty. It was not bankruptcy but, frankly, it might not have been too far from practical insolvency.
To ask the Scottish Government, further to the answer to question S4O-04363 by John Swinney on 21 May 2015, whether it will provide an update on the Scottish business development bank before the beginning of the summer recess.
Almost finishing the vaccination of older residents in care homes has not been achieved in England—I am not sure about the up-to-date position in Wales and Northern Ireland.
Cabinet secretary, will you bring us up to date on the community surveillance aspects of the regulations, in relation to people who quarantine, and how that is being reported?
Would that be what I understand as a prepayment of a future liability, in which a payment is made into a bank account to protect it from being used for other things?
That, again, contrasts with the United States, where the attitude would be that the person has achieved up to that point, can put that in the bank and can bring it back at some other point.
In response, the SPSO built its own bank of independent Scotland-based professional advisers and now has 20 internal advisers and 37 external advisers.