Mr. Dermot Divilly:

I welcome it. I am absolutely convinced, as I said, of the three-pronged approach. We must move products through it. Financial services is the big key. The three or four big pillar banks are withdrawing from towns around rural areas and the Government cannot influence that. We must work with those banks to step into their shoes in parts. We are already there. For example, we work very closely with AIB. At AIB branches, cheques can be lodged or cashed and so on. We need to take that to a more added-value level. The post offices are by and large transactional. We need to get up that chain a little. There is no reason we cannot provide micro-loans and similar services in the future. We have good services but we need to move more quickly.