Mr. Paul Gallagher:

I thank all the members for giving us their time. Ms Andrews and Mr. Connick have covered many of the areas we wanted to cover. Everybody can tell that we are now in a different world altogether. There is no footfall in Dublin and around the country all the hotels and the whole tourism sector are now in lockdown. We are in a very precarious place now in the business cycle. Many businesses will find it very difficult to survive. Solvency will prove to be an enormous issue as we come to the end of the year. As companies have to complete their audit accounts in the new year, the undertaking they will have to find in order to continue to trade will be extraordinarily difficult because hotels and much of the rest of the sector are unable to take on new debt based on their trading performance. It is, as Ms Andrews said, a perfect storm. I am happy to take any questions.