Mr. John Trethowan:

In response to the question about the amount we get for people, there are times when we will take a loan application and we might improve the application by reducing it slightly but there is no point in getting too little money to survive. That will only lose money for the company but sometimes we have used First Steps which is the micro-enterprise loan fund to help reduce the load on the bank which makes it more bankable. We use Leader grants as part of the mix. We are always trying to find a deal that we can get across the line for the borrower. It does not have to be a bank loan.