So I will ask you this question - you are suggesting that given the chances of a pandemic were so great and the government should have acted and stockpiled PPE - I am correct in that yes? You as a social care provider looking after the most vulnerable in society to one of these incidents would have obviously done the thing you expected the government to do and stockpiled PPE - you didn't and I correct again - yes? So why didn't you stockpile PPE for the very same reason the government didn't because the money was better invested elsewhere. You are a private business charging £20-30k annually per customer and you cry wolf when the public sector don't get you out of the mess you have got yourself into - safeism gone mad.

I have issues in my business through the economic situation - the only person to blame is me.

On the furlough scheme - I have money out with 5 days of requesting it - so as far as I can see it works fine and many in my network have had the same experience - its quick and easy to access and the funds are flowing.

The banking is a different matter - banks are concerned that the loans will be repaid and that business that take out these loans will survive the crisis. The biggest part of the problem is most businesses can't provide the information the bank needs e.g. 2 years P&L. balance sheet and cashflow and business justification to support the loans. This is neither the government's nor the banks' problem - this is an issue of poorly managed businesses.

Bell curve theory of intelligence.

Ask Michael Gove about that one - he's a big fan.

I take your point but I don't agree with it - in any environment there is a pyramid structure - whether its a supermarket chain or a drug gang - there is only one person at the top and many more underneath. If you are born with higher intelligence you have a greater opportunity - that has nothing to do with wealth - in fact the opposite. State education against private will have an impact only because usually the parents are more engaged and for me that is what makes the difference the family environment - it is no surprise that kids that do well from more basic beginnings are those whose parents see the value in education and are both engaged and supportive. They also believe in opportunity - and supporting their children's hopes and aspirations. They are not beat before they start with all this only the toffs get on - its absolute rubbish.

rlrl

Very good point, very well made.

Enjoy the sunshine (safely and responsibly) friends and frenemies.