I talk to business people at least a couple of times a day and, inevitably, the conversation pretty much always ends up at cashflow.

Everyone says, “If everything I’m owed came in right now, I wouldn’t have a problem.”

I think we can conclude that the same £1, £100 or £1,000 is circulating around Wales’ business community, being passed from one business to the next. What I’d like to know is… who’s holding things up?

We must have someone to blame.