Mr. John Trethowan:

I should say to Deputy Boyd Barrett that the lending demand is less than 40%. If lending demand was 66% from SMEs the Credit Review Office would be absolutely needed at that point in time. That is when we will be needed most, not so much as we bumped along the bottom of the economy and tried to keep things moving and businesses sustained. When people seek to increase their working capital for more stock, because things are looking better, and they want to invest in new premises and banks say "no" to them, they can come to the Credit Review Office. That is the way we work as the demand rises.