Mr. Fergal O'Brien:

The practical realities often mean an SME cannot afford to pay the salary and other benefits that skilled employees are going to get in another sector of the economy. We have a scheme at the moment - the key employee engagement programme, KEEP - but it is incredibly restrictive in how it can be applied. Mr. Brady might want to comment on some of the things we have looked at internationally in how we see that working, the success it looks like it is bringing and how we can replicate some of it here.