Mr. David Owens:

That is correct. If that €125 billion is left alone, it will reduce in value by 5% per annum. At some stage, people will not want to see their savings dissipate. They will ask what they are going to do with the money. It could be used for retrofitting, electric vehicles and improving the energy efficiency of homes, buildings and offices. The State has a panoply of grants, including Sustainable Energy Authority of Ireland, SEAI, grants, offering one-stop shops. There are a lot of incentives out there.