Mr. Kevin Johnson:

I will answer the query on the amount of money available. Under the relevant regulations, the limit is set at a maximum of 50% of the regulatory reserve ratio, which is 10% of assets. As such, the maximum amount available for lending is 5% of the total assets of the credit union movement, which is €16.8 billion. Interest rates are determined by each individual credit union. They depend on the nature of the loans and the risks inherent in them. At the moment, the nearest comparator is probably the product offering of the Cultivate scheme, which features a standard variable rate of 5.5%.