Bad Debt Provisions: The sooner my teams become aware of a potential business failure the more time we have to begin proactive remedial steps to minimise bottom line impact. Regular internal account reviews, with latest reports from Risk, local knowledge, feedback by account managers coupled to customer visits and news media reports can be the difference between an opportunity to take preventive action to avoid 100% provision and write-off or not. But the best preventative measures is to get bills paid on due date or prepaid depending on the risk factor.