Dr. Orlaigh Quinn:

It was something we puzzled over as well because there is a strong guarantee on the fund. We heard that feedback. As I mentioned, we meet regularly with our enterprise forum and it was a feature that came up. Partly as a response to that, we tried to expand. Hence the credit unions' involvement, which we see as a positive. Last year was particularly difficult for businesses, and they simply were not lending. In comparison with other EU countries, our SME sector tends to borrow less. We have studied it at various times and the Department of Finance did a review on it recently. For us, it is about making sure the funding is available and accessible for companies. That is our aim. As the Deputy mentioned, we got that feedback from her and other Deputies. That is why we moved to adapt and grow it.