Mr. Fergal O'Brien:

It is an issue for a large number of businesses. The particular concern in Ireland at present is that we continue to have very fragile credit conditions and this is potentially something that could further stress the credit conditions of businesses involved in a business to business supply chain. That is the nub of the problem. It would be useful for the committee to look at it in detail. It is very much accentuated in Ireland by the difficult credit conditions we continue to have.