Mr. David Broderick:

I would have concern regarding that issue and it is something I have spoken about several times. If the money is coming from family and friends, look at the social discourse this could cause. Let us consider a situation where I have loaned my brother, sister, mother or uncle €20,000, €40,000 or €50,000 and I now need to go and try to get that money back. Unfortunately, if I, as the hard-pressed business owner in that scenario, now have to close my doors - as we have seen from all the statistics - consider the social impact that will have. A good point was made earlier - I am not sure who made it - about the mental health of those business owners who were struggling. Not only are they going to lose their businesses that they worked for and lose their staff by having to let them go, but they are also going to let down family members with €5,000, €10,000, €20,000 or whatever amount of money. A sum of €5,000 is still a lot of money. Let us imagine it was €100,000 or €150,000. I would, therefore, have major concerns about this issue.