Mr. Ian Black:

If a company is not happy with the decision of its bank there is an internal appeals process. There is also the Credit Review Office to ensure that the decision is a fair decision. Obviously, people should shop around, etc. One of the legislative functions is that we have to provide additional credit in a prudent manner. We need to be mindful of that but the Deputy is right. With an 80% guarantee there is or should be a huge incentive to provide that funding.