Mr. Seamus Boland:

I am reminded of a fundamental reality in this country. We had ACC and ICC, which assisted and provided thousands of farmers, in particular, and businesses with serious money at a time when there was no money available anywhere else. While the work that we have just heard about is extremely useful, and we need that assistance to help small industries, the reality is that we are trying to compensate for a dysfunctional pillar banking system. It is not doing its job but until that situation is redressed we must depend on a whole range of agencies, who do fantastic work, to fill the vacuum. Unless we seriously tackle the situation we will have to depend on a range of agencies to give money, which is not really sustainable.