Mr. Pat Kilbane:

On engagement with the banks, the Deputy's point is absolutely valid. We are trying to have more bank refusals transferred directly to us. For whatever reason, only approximately 10% of those who apply to and are turned down by the banks seek finance elsewhere. What we must try to do is increase this figure in a seamless fashion. As opposed to those to whom I refer being obliged to take further action, the banks should be able to refer more of them directly to us. We agree with the Deputy that it would be a tremendous step forward if we could increase the percentage in that regard.