Dr. Orlaigh Quinn:

Yes, we certainly had feedback that it was difficult. Part of the response we took was to expand the amount of lenders in the scheme. Where before we had the pillar banks, we have now included other sources like the credit unions. We have 15 credit unions working with us to provide the funding. I take the Deputy's point about the €2 billion in lending but it is a contingency fund. It is not to say the €2 billion should be drawn down or that there is a fault in the scheme if it is not.