With the UK lockdown continuing and the widening disparity between devolved Government’s treatment of construction site closures, which indicates that 80% of all construction site are closed in Scotland and North Ireland compare to 39% in the UK as a whole, it is now time that the financial institutions have a clear, unified guideline on the viability test required to support the industry through this crisis.

The start of the year always signals a time for predictions and looking at what’s in store for 2020 innovation trends, it’s beginning to feel like a whole new world.