Around 10 million workers in the UK have been unable to do their jobs because of covid-19 and they have so far benefited from the furlough scheme, which essentially means the government is paying the majority of their wages and redundancies can be avoided but with the scheme set to end on the 31st of October, what does that mean for workers?  And what does it mean for employers who have real concerns about covering the costs when it's anything but business as usual at the moment.