Welcome to the Winter edition of Commercial eSpeaking. This edition, of necessity, focuses very much on the implications to business from COVID-19. We hope you find these articles to be useful.

In this edition:

• The Wellbeing Budget 2020: Rebuilding together
• Government’s COVID-19 wage subsidy scheme: not a “gift” - there are employer obligations
• Debt recovery process
• COVID-19 can be “frustrating”
• “Safe harbour” for directors