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I probably do not need to add that some of the difficulties that are being experienced throughout industry with accessing finance and getting the banks to come on board are also being experienced by those who are involved in aquaculture.
That was a great advantage, because at that time banks were unwilling to lend on floating assets—I mean assets that are literally floating in the water—so it became difficult to use those assets, whereas the Crown Estate will lend us money at a certain rate with a prior charge that we then pay back.
Equally, I understand that housing associations have incredibly tight margins—they must respond to their private sector lenders and they have banks to satisfy.Much has been said about the Scottish Government’s power to mitigate fully the consequences of the bedroom tax.
The first option was to change the date of an existing bankholiday to that of St Andrew's day, which we interpreted for the purposes of the research as substituting a holiday.
The PILOT group is consulting the banking industry and others to try to tackle that matter.I am just looking at the large number of remaining pages in my text, which I do not have time to cover.
That the Parliament agrees the following parliamentary recess dates under Rule 2.3.1: 20 December 2008 – 4 January 2009 (inclusive), 14 – 22 February 2009 (inclusive), 4 – 19 April 2009 (inclusive) and 27 June – 30 August 2009 (inclusive).
There is more work to be done to get an up-to-date record.In England, there is the heritage at risk survey, an electronic survey that English Heritage carried out.