Eoghan Murphy (Dublin South East, Fine Gael) | Oireachtas source

May I clarify that? The Funding Circle is an interesting example and a good way of how a government can help. It is not interfering with the market rate at all. The market rate gets set by private lenders. When it comes in, it makes the return they make as well. So it is investing with the expectation of making a return. The only potential risk would be to look at the default rate, which I think Mr. O'Mahony said was only 1%. In effect, it is without any real risk at all.