Mr. Ian Black:

The maximum interest rate on the Brexit or Covid working capital loan schemes is 4%. That 4% is for anything up to three years, and loans of up to €0.5 million are unsecured. In my view, getting unsecured money, without providing any personal guarantees, at an interest rate of 4% for up to three years, is an attractive rate. The reason for the slow uptake has been uncertainty with regard to Brexit, and Covid has meant that there has been limited demand. People are conserving their cash and taking grant supports such as the employee wage subsidy scheme and the tax warehouse scheme, etc. I think we will see-----