It's great to have this data. One thought though - it's not really SMEs as a group that incease competitiveness, improve incomes, etc. It's a small group of high-growth SMEs -- what are sometimes called the "gazelles" (by the OECD among others) -- that have the potential to create competitive advantage, innovate, and grow into larger firms. If I recall, this is less than 10% of SMEs. I think the Bank should be doing more to focus on these companies when it focuses analysis and projects on SMEs. And beyond only access to finance, though I know that was the focus of this particular survey.