Mr. Tadhg Daly:

No. Our members have been closing on an ongoing basis. A number closed last year. We are not saying this - the regulator is. Like many small businesses in rural Ireland, our members are constantly refinancing to try to keep their businesses afloat. A lot of them are the largest employers and major service providers in many parts of the country. If we continue down this road, one need only look across the water at what is happening in Britain to see that there will be a serious impact on the entire health and social service. That will come our way if the disparity is not addressed quickly.