Mr. David Broderick:

Not necessarily. We had a discussion on this aspect previously and on why it might be. It is not the pillar banks but the entrepreneurs, to be perfectly honest with the Deputy. There was so much regulation. As we have heard from many of the speakers here, they have become the chief bottle washers, the heads of sales, etc. I would imagine when they went to go see the banks, they were not as investment-ready as the banks would have needed. That is simply the way things have gone. It went down the agenda. As we have heard, it is now about keeping the doors open and the lights on. Where those businesses looking to invest are concerned, we have heard - I am getting this information through the likes of our mentor work programme that we run in partnership with Skillnet-----