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      <image:caption><![CDATA[Payment plan: operators from across the sector have revealed their plans about paying rent in July]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/06/17/How-can-Government-help-safeguard-pubs-future/</loc>
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      <image:caption><![CDATA[Reaching out: the letter outlines various measures that could help the pub trade]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/06/15/When-will-the-Government-announce-when-pubs-can-reopen/</loc>
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      <image:caption><![CDATA[Time to prepare: the Government's delay in announcing when pubs can reopen has forced many of them to take financial risks, the BBPA said]]></image:caption>
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      <image:caption><![CDATA[Government advice: the Prime Minister has said the two-metre distancing rule is under review]]></image:caption>
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      <image:caption><![CDATA[Save the date: pubs in Scotland can ready themselves for a potential reopening date of Wednesday 15 July]]></image:caption>
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      <image:caption><![CDATA[Redundancies possible: the trade body representing Welsh pubs said an opening date is sorely needed to protect jobs]]></image:caption>
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      <image:caption><![CDATA[Coming soon: further furlough details are being announced at the end of the week]]></image:caption>
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      <image:caption><![CDATA[Confused operators: publicans have said they need more clarity from the Government after speculation about reopening rules]]></image:caption>
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      <image:caption><![CDATA[Government orders: pubs were told to close by the Prime Minister on 20 March]]></image:caption>
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      <image:caption><![CDATA[Action required: UKHospitality (UKH) has urged the Government to introduce fiscal support to end stand-offs between landlords and tenants]]></image:caption>
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      <image:caption><![CDATA[Government announcement: more information about the flexibility of the furlough scheme is due this week]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/06/08/Group-action-against-Eaton-Gate-QIC-Europe-insurance-policies/</loc>
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      <image:caption><![CDATA[Widely held policy: an action group believes many pubs will have business interruption cover with QIC through Eaton Gate]]></image:caption>
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      <image:caption><![CDATA[Industry lifeline: Chancellor Rishi Sunak is believed to be a member of the ‘Save Summer Six’, which supports reopening pubs earlier, according to The Financial Times]]></image:caption>
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      <image:caption><![CDATA[Lifeline to nowhere: operators have said they are concerned they will not have cash flow for wages in the coming months]]></image:caption>
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      <image:caption><![CDATA[New role: Fiona Dickie took over as pubs code adjudicator earlier this year]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/06/04/What-is-flexible-furlough/</loc>
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      <image:caption><![CDATA[More information: further details about flexible furlough will be revealed by the Government on 12 June]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/06/03/Final-sprint-as-court-action-readied-against-insurers/</loc>
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      <image:caption><![CDATA[Pressure building: insurers will face a court test to examine the wordings used in their business interruption policies ]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/06/03/Is-the-Government-going-to-reduce-two-metre-Covid-19-social-distancing/</loc>
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      <image:caption><![CDATA[Conflicting calls: Simon Clarke’s reassertion of two-metre distancing flies in the face of calls from senior MPs and the trade to halve measures]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/06/02/Pubs-without-grants-reaching-point-of-no-return/</loc>
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      <image:caption><![CDATA[Losing confidence: publicans say they are desperate for Government support as their debts increase and job losses seem unavoidable]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/06/01/Pub-insurers-identified-for-another-group-claim/</loc>
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      <image:caption><![CDATA[Not paying: eight insurance companies have been identified as potential targets for group action, as pressure against insurers builds]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/06/01/How-can-Government-rent-code-help-pubs/</loc>
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      <image:caption><![CDATA[Government step: the new code aims to encourage fair and transparent discussions about rent]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/29/What-does-the-pub-trade-think-of-further-furlough-details/</loc>
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      <image:caption><![CDATA[Varied response: some have cautiously welcomed the Chancellor's announcement of furlough scheme contributions]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/29/How-long-will-self-employed-support-be-extended-for/</loc>
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      <image:caption><![CDATA[Government aid: further income support for the self-employed will be available from August]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/29/What-will-furlough-scheme-employer-contributions-be/</loc>
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      <image:caption><![CDATA[Government announcement: Chancellor Rishi Sunak has outlined further details of the furlough scheme extension]]></image:caption>
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  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/28/Action-against-Aviva-and-QBE-pub-insurers/</loc>
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      <image:caption><![CDATA[Collective effort: Hospitality Insurance Group Action (HIGA) has selected two insurance companies to launch group action against]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/28/How-much-of-pub-staff-wages-are-tronc/</loc>
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      <image:caption><![CDATA[Tipping point: many workers could be receiving just 60% of their usual earnings according to a survey by Fourth]]></image:caption>
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  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/28/Prime-Minister-reopening-pubs-and-reducing-social-distancing/</loc>
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      <image:caption><![CDATA[Government address: Boris Johnson answered questions from the Liaison Committee including queries on the hospitality industry reopening]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/28/Should-furlough-be-extended-for-pubs/</loc>
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      <image:caption><![CDATA[Plea to Government: trade bodies ask the Chancellor to reduce social distancing to one metre and extend the full furlough scheme]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/27/Why-are-insurance-companies-not-paying-pubs/</loc>
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      <image:caption><![CDATA[Survival fight: publican David Strange has called on the Government to help pubs whose insurance allegedly does not cover them]]></image:caption>
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    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/27/When-will-Government-say-more-on-further-furlough-details/</loc>
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      <image:caption><![CDATA[More follows: Rishi Sunak is expected to announce further information about ‘flexible furloughing’]]></image:caption>
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  <url>
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      <image:caption><![CDATA[Needing help: most operators will need continued Coronavirus Job Retention Scheme support]]></image:caption>
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  <url>
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      <image:caption><![CDATA[In limbo: most operators are unsure whether they will open as early as 4 July]]></image:caption>
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  <url>
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      <image:caption><![CDATA[Legislation halt: the bill will temporarily suspend parts of insolvency law to support company directors]]></image:caption>
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      <image:caption><![CDATA[Finance option: the Government has increased the amount large firms can borrow]]></image:caption>
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      <image:caption><![CDATA[In it for the long haul: ongoing support is likely to be available for the pub trade]]></image:caption>
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      <image:caption><![CDATA[Broader impact: ‘brewers don’t know the Scottish scheme will be compatible with the rest of the UK’ says CAMRA’s Sarah Crawford]]></image:caption>
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      <image:caption><![CDATA[Further aid: UKH boss Kate Nicholls called for the Government to extend support into next year]]></image:caption>
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      <image:caption><![CDATA[Long wait ahead: most operators believe it will take two years to reach ‘normal’ profit levels]]></image:caption>
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      <image:caption><![CDATA[No excuse: employers must not attempt to play the furlough system, a trade body executive has warned]]></image:caption>
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      <image:caption><![CDATA[Money matters: the Government has made financing available to pubs during Covid-19]]></image:caption>
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      <image:caption><![CDATA[New task force: UKHospitality chief executive Kate Nicholls stresses there is no one-size-fits-all approach to reopening pubs]]></image:caption>
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      <image:caption><![CDATA[Business concern: freehouse owner Karen James is worried about her future and the effect of social distancing on reopening]]></image:caption>
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      <image:caption><![CDATA[More breathing space: trade bodies react to the extension of the furlough scheme]]></image:caption>
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      <image:caption><![CDATA[Government support: Chancellor Rishi Sunak has faced calls for the furlough scheme to be extended]]></image:caption>
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      <image:caption><![CDATA[Phased reopening: the Government document sets out its plans for the easing of lockdown restrictions]]></image:caption>
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      <image:caption><![CDATA[Grant scheme: self-employed publicans can receive up to 80% of their average monthly trading profits in a single instalment covering a three-month period]]></image:caption>
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      <image:caption><![CDATA[Televised address: the Prime Minister has revealed plans for a phased reopening of businesses]]></image:caption>
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      <image:caption><![CDATA[Reputations tarnished: the theft led to staff members receiving lower bonuses than they were entitled to]]></image:caption>
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      <image:caption><![CDATA[Waiting game: some pubs still haven’t received the loans and grants to help them weather the coronavirus crisis]]></image:caption>
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      <image:caption><![CDATA[Late-night levy: councils cannot refund or reduce payments but can defer the annual licence payment]]></image:caption>
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  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/01/Jonathan-Downey-National-Time-Out-campaign/</loc>
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      <image:caption><![CDATA[Time out: Jonathan Downey has called for a nine-month pause on payments for the sector]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/05/01/Pubs-code-adjudicator-calls-on-pubcos-to-help-tenants/</loc>
    <lastmod>2024-11-01T20:23:06.874Z</lastmod>
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      <image:caption><![CDATA[Legislation date: the pubs code came into force in 2016]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/29/Why-do-I-have-to-pay-the-late-night-levy-in-lockdown/</loc>
    <lastmod>2024-11-01T20:22:52.531Z</lastmod>
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      <image:caption><![CDATA[Dead money: Philip Kolvin QC and Clare Eames suggest possible solutions to the late-night levy issue]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/29/Extend-support-for-pubs-beyond-June/</loc>
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      <image:caption><![CDATA[Survey findings: the BII has found operators are worried about loans and desperate for more support]]></image:caption>
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  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/29/Can-you-work-reduced-hours-on-furlough/</loc>
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      <image:caption><![CDATA[Jobs on the line: hospitality workers need continued economic support even after lockdown, a report has highlighted]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/29/How-much-Government-support-will-pubs-need-after-coronavirus-lockdown/</loc>
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      <image:caption><![CDATA[Send help: pub trade needs additional support after lockdown]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/29/What-impact-has-Covid-19-had-on-business-rates-plastic-straw-and-protect-duty-legislation/</loc>
    <lastmod>2024-11-01T20:23:13.436Z</lastmod>
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      <image:caption><![CDATA[Pandemic disruption: what impact is the Covid-19 pandemic having on Government legislation, and what could the knock on effects be for pubs?]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/28/Matt-Hancock-signals-support-for-increasing-grant-scheme/</loc>
    <lastmod>2024-11-01T20:22:39.854Z</lastmod>
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      <image:caption><![CDATA[Westminster focus: Matt Hancock was asked about helping pubs with rateable values above the current grant scheme threshold]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/28/Bounce-Bank-Loan-scheme-available-for-pubs/</loc>
    <lastmod>2024-11-01T20:22:33.127Z</lastmod>
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      <image:caption><![CDATA[Support given: the Government has added to the existing loan schemes to help businesses amid the coronavirus pandemic]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/27/Can-councils-still-make-pubs-pay-late-night-levy/</loc>
    <lastmod>2024-11-01T20:22:39.316Z</lastmod>
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      <image:caption><![CDATA[‘Ludicrous’: the pub sector has said it is unfair for councils to ask pubs to pay late-night levy fees when closed]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/27/Can-you-take-holiday-while-on-furlough/</loc>
    <lastmod>2024-11-01T20:22:33.013Z</lastmod>
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      <image:caption><![CDATA[Employment terms: furloughed workers will continue to accrue annual leave in accordance with their contract]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/27/When-will-lockdown-restrictions-be-eased/</loc>
    <lastmod>2024-11-01T20:22:24.696Z</lastmod>
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      <image:caption><![CDATA[Government statement: PM Boris Johnson apologised for being “away from my desk for longer than I would have liked”]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/27/How-many-pubs-are-successfully-claiming-coronavirus-financial-help/</loc>
    <lastmod>2024-11-01T20:22:35.007Z</lastmod>
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      <image:caption><![CDATA[Help is lacking: financial aid for hospitality is not getting through]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/24/How-will-hospitality-jobs-be-impacted-by-social-distancing/</loc>
    <lastmod>2024-11-01T20:22:31.055Z</lastmod>
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      <image:caption><![CDATA[Voices aired: trade bodies call for further Government support to help hospitality businesses when they reopen]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/23/How-to-challenge-insurance-companies/</loc>
    <lastmod>2024-11-01T20:21:59.883Z</lastmod>
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      <image:caption><![CDATA[Call to action: the Night Time Industries Association is consulting a legal expert about insurance claims]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/22/What-was-the-most-popular-news-for-pubs-April-2020/</loc>
    <lastmod>2024-11-01T20:22:03.547Z</lastmod>
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      <image:caption><![CDATA[Top headlines: Government confirms hospitality will be one of the last sectors to reopen]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/21/What-extra-support-does-the-Government-need-to-give-pubs/</loc>
    <lastmod>2024-11-01T20:21:57.328Z</lastmod>
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      <image:caption><![CDATA[More aid: further help on a range of Government measures is needed, trade bodies have identified]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/21/Who-is-protesting-the-pub-grant-threshold/</loc>
    <lastmod>2024-11-01T20:22:05.591Z</lastmod>
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      <image:caption><![CDATA[Open letter: Raise The Bar has written to the Government urging them to help pubs with rateable values up to £150,000]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/20/When-could-pubs-reopen-after-coronavirus/</loc>
    <lastmod>2024-11-01T20:21:59.668Z</lastmod>
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      <image:caption><![CDATA[Delayed reopening: pubs were ordered to close by the Prime Minister on Friday 20 March]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/17/When-will-the-furlough-scheme-end/</loc>
    <lastmod>2024-11-01T20:21:57.176Z</lastmod>
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      <image:caption><![CDATA[Help prolonged: the scheme was originally set to run until the end of May]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/17/How-much-time-is-needed-for-pubs-to-reopen/</loc>
    <lastmod>2024-11-01T20:21:42.908Z</lastmod>
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      <image:caption><![CDATA[Looking ahead: at least 21 days notice is needed for pubs to reopen, according to the BBPA’s Emma McClarkin]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/17/Banks-lending-during-coronavirus/</loc>
    <lastmod>2024-11-01T20:21:32.384Z</lastmod>
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      <image:caption><![CDATA[Further support: Financial Conduct Authority interim boss Christopher Wood has called on banks to help SMEs]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/17/What-could-the-easing-of-Covid-19-lockdown-around-the-world-mean-for-UK-pubs/</loc>
    <lastmod>2024-11-01T20:21:34.485Z</lastmod>
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      <image:caption><![CDATA[Lifting restrictions: what can other countries’ approaches to easing lockdown tell us about when and how UK pubs might reopen?]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/17/Coronavirus-Large-Business-Interruption-Loan-Scheme-to-be-launched/</loc>
    <lastmod>2024-11-01T20:21:32.123Z</lastmod>
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      <image:caption><![CDATA[New support: the Government has revealed information about a loan scheme designed for larger businesses]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/16/Furlough-scheme-cut-off-date-extended/</loc>
    <lastmod>2024-11-01T20:21:32.177Z</lastmod>
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      <image:caption><![CDATA[Extra help: the Government announced the Coronavirus Job Retention Scheme last month (20 March)]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/16/Do-insurers-have-to-pay-out-for-coronavirus-claims/</loc>
    <lastmod>2024-11-01T20:21:36.138Z</lastmod>
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      <image:caption><![CDATA[Pay out: FCA warns insurers must support customers]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/16/Pub-rent-review-negotiations-suspended-during-Covid-19-shutdown/</loc>
    <lastmod>2024-11-01T20:21:40.668Z</lastmod>
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      <image:caption><![CDATA[Brakes pulled: the PGB has called a temporary halt to ongoing and upcoming pub rental negotiations until 30 June]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/14/How-long-does-it-take-for-pubs-to-get-government-grant/</loc>
    <lastmod>2024-11-01T20:21:00.534Z</lastmod>
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      <image:caption><![CDATA[Confused: publicans have shared their stories of uncertainty with timescales of payments from local councils]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/09/Swift-delivery-of-financial-support-critical-pub-bodies-urge-Government/</loc>
    <lastmod>2024-11-01T20:21:06.731Z</lastmod>
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      <image:caption><![CDATA[Critical issue: four organisations have urged the Government to make changes to its financial support for pubs]]></image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.morningadvertiser.co.uk/Article/2020/04/07/Tronc-payments-excluded-from-Coronavirus-Job-Retention-Scheme/</loc>
    <lastmod>2024-11-01T20:20:41.639Z</lastmod>
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      <image:caption><![CDATA[Tip exclusion: at present, the 80% salary furloughed staff receive does not include tronc payments]]></image:caption>
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      <image:caption><![CDATA[At financial risk: Amy Lamé says ‘businesses must reduce spending to a bare minimum to avoid permanent closure’]]></image:caption>
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      <image:caption><![CDATA[Rent reaction: All Our Bars chief executive Paul Wigham outlines what steps he believes the Government should take on pub rent]]></image:caption>
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      <image:caption><![CDATA[Social response: licensees have commented on The Morning Advertiser’s Facebook page about some pubcos not cancelling rent]]></image:caption>
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      <image:caption><![CDATA[Rule change: businesses looking to borrow less than £250,000 will not need to provide personal guarantees]]></image:caption>
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      <image:caption><![CDATA[Rights declaration: PCA Paul Newby and deputy Fiona Dickie expects pub-owning businesses to act in good faith in the dealings with tenants]]></image:caption>
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      <image:caption><![CDATA[Employers’ dilemma: the Government’s furlough scheme has a cut-off start date for new employees of 28 February]]></image:caption>
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      <image:caption><![CDATA[Bank update: Lloyds will now not ask for personal guarantees, regardless of the loan amount required]]></image:caption>
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      <image:caption><![CDATA[Changing focus: supermarket demand has increased after the closure of pubs and restaurants ]]></image:caption>
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      <image:caption><![CDATA[Difficult processes: there have been calls for banks to make accessing the loans easier for operators]]></image:caption>
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      <image:caption><![CDATA[Stake a claim: Philip Kolvin of Cornerstone Barristers looks at whether insurance companies will pay out]]></image:caption>
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