Mr. Michael Manley:

I apologise as I forgot to answer the Deputy's question on that. We are considering that. It has been tried in the past in a number of pilot projects - Mr. Jim Gannon referred to them already - whereby companies became the conduit. Credit unions, for example, provide the finance and the company channels it to employees, who then repays it as part of the salary arrangement. That it is fine when the amount is relatively small. If I am borrowing only a few thousand euro and walk out on the company, it can be absorbed within the system.