Mr. David McRedmond:

Sparkassen have been in once to visit some people in An Post. There is nothing magical in their model that we do not do. The Deputy is quite right in saying that we collect that money on behalf of the State and the National Treasury Management Agency, NTMA. That money is in the NTMA. We deliver it to the NTMA and State savings. That is not an issue. I cannot answer that. I am not the Minister for Finance and am not responsible for saying exactly where that money should reside. The Deputy is correct about lending skills. We need to make sure we have the best lending skills, which is why we do not have the loan today but will have the loan relatively soon. We are making sure that we are bringing in the best lending skills.