Mr. Allan Mulrooney:

It is something we speak about a lot and brought to our board in a recent conversation. The Deputy is correct that, anecdotally, we might think communities would not be in a position to repay, but we have found over the years, with the risk the organisation has taken through communities, that almost none gets to the stage where it does not repay. The goodwill is there, and once the community gets over the challenge of the paperwork and the-----