Mr. John Trethowan:

If the Deputy considers that between 1,000 and 1,100 people are at work today, who are able to support their families because their business or farm has been granted credit because of the opinion of the CRO, that is not a bad result.

Let me add, there is a parallel appeal system in the United Kingdom that was set up the year after the Credit Review Office was established. They deal with nine banks and in their first report, issued last June, they state they received 40 appeals from Northern Ireland. The tendency to appeal and go further across Ireland appears to be low.