Paschal Donohoe (Dublin Central, Fine Gael) | Oireachtas source

I rest my case too because the Deputy has acknowledged my point. In the real world scenario we are in, because his scheme does not have a cash cost, or cash cap for participants in it, the cost risk of his scheme is larger.

The Deputy acknowledged the point already that in his scheme there is not an upper limit for how much a household can drawdown, whereas in this scheme, there is an upper limit as to how much a business can drawdown. Therefore, the risk of his scheme in terms of modelling is greater than this one. In the scheme I am putting forward, there is a cash limit. In his scheme, there is not. Because of the absence of a cash limit, even with the different modelling scenarios that we are talking about, if an extreme risk were to materialise, because his scheme does not have a maximum drawdown per household, there is potentially a greater risk on it. That is my point. The Deputy acknowledged that it does not have a cash limit on it and because of that the upside risk, in theory, is greater.