As with most government announcements the devil is in the detail but I will be surprised if many SMEs benefit in a tangible way. I think the main winners will be the banks – it’s the way things are. If you want to get the economy moving how about a return to traditional banking where there was a branch manager who could make decisions based on local knowledge and a personal relationship. Today’s box ticking got us into a mess and it is not going to get us out in a hurry. Even the so-called “relationship managers” are a total and utter joke. My manager is so overstretched it takes 2 or 3 days to get through to him and when push comes to shove he is beholden to head office or “credit” for decisions. I don’t think anybody who is not creditworthy yesterday will be embraced today via some sudden metamorphisis.