Mr. Niall Cody:

It is tiered. We have talked a lot about the people who have a liability of €5,000 or less. They just go online and complete their proposal with which we agree. If it is a case of a company with a liability in excess of €50,000 then we seek information and usually in the form of bank statements from the last six months. We may look for business projections. We will have regard to what the current return shows us. It is like if a person is going for any finance arrangement.