I will be sharing my time with Deputy Verona Murphy. In the past ten days, three economic reports were released by the Department of Finance, the Economic and Social Research Institute, ESRI, and the employers' group IBEC. They examined the financial resilience of Irish small and medium-sized enterprises, SMEs, the revenue lost since the onset of Covid-19 and the future revenue trajectory into 2021, depending on the broader economic environment. The findings were stark. Almost half of firms made lockdown losses. So…