Business Rates and the Recession

I am grateful to the Minister. He is always generous in giving way and, as my hon. Friend the Member for South-West Bedfordshire (Andrew Selous) said, it is appreciated. What assessment have the Government made in relation to deferment of VAT payments with regard to indebtedness? When a drowning man sees something in front of him to grab hold of, he grabs hold of it. My concern is that the degree of indebtedness that might be incurred will make more people insolvent, rather than fewer.