Mr. John Mullins:

I agree with what the Cathaoirleach said. We have had false dawns on microgeneration in Ireland. We did have microgeneration targets and then they were removed. Then, there was a real slowness in actually giving people the opportunity to sell back into the system. Frankly, however, that now exists. I know many people who are producing excess energy out of solar PV panels, whether it is on farmhouses or barns or on domestic houses, and they are benefiting from them. I know people who, in the middle of summertime, are actually owed money by the supplier because they are producing excess power. Therefore, there has been a paradigm shift. There is a revolution and, thankfully, consumers are embarking on that journey. However, I agree that it is difficult for the low- to middle-income earner to raise the money at the outset. We do need more financial supports in that regard. Clearly, credit unions are at the core of that.