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ICM's work with the government has been particularly noteworthy, especially in relation to the creation of the Prompt Payment Code that continues to go from strength to strength. Equally encouraging is the response to the series of Managing Cashflow Guides. The guides have proven extremely popular, especially amongst the SME community, and more than 100,000 have been downloaded since their launch. ICM's commitment to members' employment continues, and with the launch of Jobs Direct the Institute believes it can become the gateway to more credit opportunities, as well as generating additional revenue streams to re-invest in new products and services.