Aodhán Ó Ríordáin (Dublin North Central, Labour) | Oireachtas source

I would describe an interest rate of 287% as pornographic, but that is just me. Mr. Sheridan talks about people who want short-term loans, but if they want short-term loans at that range, between 23% and 287%, it means that they have something in their lives they want to finance at short notice. It could be the cost of a funeral or Christmas expenses and concerns something they cannot afford but that they must get over. There could be an element of trauma attached to it. Is this the experience of Mr. Sheridan?