Mr. Brian Hayes:

We have seen some success. The Covid loan scheme, the Brexit loan scheme and the current Ukraine scheme have involved a guarantee of up to 80% where we work with the Government. The banks deliver the loans but effectively the funding comes through the SBCI. We have seen this with the credit guarantee scheme over the Covid period. Maybe a model of funding entailing some sharing of risk appetite will help to provoke more investment in the key areas, particularly housing.