Mr. Bernard Byrne:

On the rate, this is one of the classic questions where, regardless of the answer we give, there will be a problem. We do have a discounted rate for new business which we see as appropriate, given the challenges new businesses face. We have a package for new businesses which includes free banking for a period and a start-up rate of 4.4%. That rate is also available to a series of other interests and applies to the agri-sector and the job creation fund. The overdraft rate on standard loans is higher - it is closer to 7.8% - and depending on the negotiations that would take place in respect of a standard business, it could be somewhere between 4% and 6%, depending on the type of business involved.