Agree with the receipts comments. Some worrying things
* Receipts - since they mostly relate to last Q's expenses, perhaps people aren't paying paying their bills. There was no commentary about that.
* Q4 is best Q - as receipts should seasonally be at their highest and production costs at their lowest. That makes the result even worse.
* SME - the receipts suggest only 50% of SMEs were paying this Q though that doesn't gel with last Q's costs.
For me the result is concerning.
Ann: Appendix 4C - quarterly, page-9
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