The Manx Construction Industry is preparing for its traditional Christmas shut-down, with the future shaping up to being even tougher than the last 12 months.
Les Nichol of the Island's Employers Federation says they are " worrying times".
He believes some firms will be having a hard think about their future set up in the coming weeks.
MiCard users who can't use bank accounts to receive new cards
Proposals receive unanimous support in Tynwald
Mountain closure further extended
Will remain shut until Friday
Chief minister proposes issuing new MiCards to those who can't open bank accounts
Chief minister puts forward amendment in Tynwald
Timeline for new CRHS 'a bit tight', says education minister
Hopes work could start by the end of 2026
More details about MiCard replacement could be revealed today
Chief minister asked for debate on the payment method to be adjourned overnight