Mr. Jim Waldron:

That is very much appreciated as well. I might add that drivers have to borrow the total amount of the cost of the car because they have to wait up to three months to receive the grant. That is a barrier in itself. A driver who wants to buy a car costing €50,000 must borrow €50,000 to buy it. That probably excludes drivers from qualifying for a loan, for example, with their local credit union. They could borrow €30,000 if the grant was more accessible or if there was a way for the NTA to guarantee the credit union that the money could be paid directly to it.