I thank Senator Higgins for tabling the amendment. She tables a similar amendment to most of the finance-related Bills that come before the House. I can understand, to a certain extent, where she is coming from in arguing that we need this type of reporting. As someone who works in the SME sector, I have some understanding of how difficult and restrictive it is at the moment to access credit. Having tried to deal with the mainstream banks for the past 14 months in negotiation terms, I know it is very difficult to g…