their— because a lot of businesses open their doors, but they are having a skills— their doors, but they are having a skills shortage, which means their ability— skills shortage, which means their ability to— skills shortage, which means their ability to do that is limited, so we are seeing — ability to do that is limited, so we are seeing restaurants with variable hours, _ are seeing restaurants with variable hours. they— are seeing restaurants with variable hours, they are not opening in the morning. — hours, they are not opening in the morning, hotels who might want to do conferences _ morning, hotels who might want to do conferences but are not putting on conferences but are not putting on conferences because they don't have the staff— conferences because they don't have the staff to _ conferences because they don't have the staff to deliver. at the moment there _ the staff to deliver. at the moment there is— the staff to deliver. at the moment there is a _ the staff to deliver. at the moment there is a bit of a handbrake on delivery— there is a bit of a handbrake on delivery because of a skills shortage. delivery because of a skills shortage-— delivery because of a skills shortaae. �* ., ., ., shortage. and then inflation and - rice shortage. and then inflation and price rises _ shortage. and then inflation and price rises across _ shortage. and then inflation and price rises across the _ shortage. and then inflation and price rises across the board. - shortage. and then inflation and price rises across the board. is l price rises across the board. is that affecting your members? it that affecting your members? it depends what type of business you are, ltut— depends what type of business you are, but that is cutting into the margins — are, but that is cutting into the margins a _ are, but that is cutting into the margins. a lot of overhang from the pandemic— margins. a lot of overhang from the pandemic so a lot of business took on debt, _ pandemic so a lot of business took on debt, some of that was on very friendly— on debt, some of that was on very friendly terms, but we have heard of smes _ friendly terms, but we have heard of smes taking on different credit cards, — smes taking on different credit cards, extending over cards ? overdrafts, and things like rent as well, _ overdrafts, and things like rent as well, there — overdrafts, and things like rent as well, there is a big question about what _ well, there is a big question about what happens and the tenants and their landlords are having some guite _ their landlords are having some quite heated negotiations. what the