Dr. Orlaigh Quinn:

We got that feedback but the fund is part of a suite. We had other offerings available to people who needed them. It was specifically for Covid and it was EU funding, so there were criteria that businesses could not refinance their loans. It was because the offering under this was better than other products. It was not there to allow everybody to refinance. It was focused on the exigencies of the pandemic, and we operated on that basis. I take the Deputy's point that because of people's circumstances they were hit with something that was not expected but the scheme-----