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A wave of business failings is expected on the horizon.
BWA Insolvency's latest report shows 20 percent more business fell in the third quarter of 2023, than in the same time last year.
Their managing director says more are inevitable, with the central Government attempting to drive down discretionary spending.
Bryan Williams says there are also an increase in costs and labour shortages.
"And there is a worldwide downturn of commercial activity. Add all those together, and the end of the rainbow doesn't look like gold."
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