Mr. John Trethowan:

I feel it is at the moment. If the economy picks up and demand picks up and if we get noise about an issue with sums between €500,000 and €1 million, we can go back to the Department of Finance. The Minister will listen if we say there is a demand we cannot meet. The other thing we do in the Credit Review Office, with two senior reviewers, is to take calls from the Department of Jobs, Enterprise and Innovation on a specific case. We worked on cases up to €55 million where receivers were being appointed and they wanted a second opinion on whether the banks were doing all they could.