Mr. Brian Hayes:

Our members are very conscious of the situation. The other point I would put on the record is that we have just short of 200 people in the Deputy's own county who work in the three pillar banks across 22 branches. That is just in County Donegal. The people who work in those banks know this problem. It may be affecting them, their family, their relations or their friends. They get it. The issue on lending is that all of these things are connected, as Deputy Doherty knows. We have got to find a solution for people and lenders will do that. That is true of all of the pillar banks and other lenders as well. Ultimately, the solution has got to be found in terms of what we can do in the context of the credit directive. I will ask Ms Byrne to come in on this issue.