Mr. Derek Butler:

We have not heard about that. This umbrella body has a network of local leaders in every constituency in the country. We regularly hear about what is happening on the ground, such as challenges with Strategic Banking Corporation of Ireland, SBCI, schemes, etc. We have not heard of that problem but it touches on a really important contagion risk. If we do not get the liquidity policy intervention right in the next couple of months, debtors and creditors throughout the system will be affected.