Mr. David Duffy:

Let us do that. The first comment I will make - and then Mr. Byrne will follow - is that there is a demand equation. It is constantly said to us that we are not lending, but if we do not lend the bank will be bankrupted again. Let us be explicit. SMEs are a core part of our business, so unless we are lending there is no point in us being here. We will not be here. I do not understand this equation half the time because we are constantly asking the question ourselves in the field and are told that those concerned do not want more debt, they want restructuring.

As regards the Deputy's specific question, that is one of the concerns I have. Is everybody saying they want something but not applying, or are we not encouraging them enough? We all need to get better at that to make it work. I am making the offer absolutely and have done for six months now. One meets a person, whatever their name is, and all I need is a telephone number and we will get in touch.