Mr. David Duffy:

We will run through them quickly. We are not outsourcing the collection of debt, but we are bringing in outsource companies to provide us with expertise and advice which we need. As we do not have enough trained personnel, we have brought in resources to the organisation which have experience of this. Those to whom I refer have experience and help to train our personnel and work with us.

I will ask Mr. Murphy to comment on the issue of 50-year mortgages and Mr. Byrne to speak about lower interest rates for SMEs. I will then come back in on the issue of DIRT.