Mr. John Trethowan:

There is a range of things we have done structurally to improve the situation. Ireland is the first country to have a generic loan form. There is one application form for all the banks. We have now got the accountants and the banks to agree that there is one standard low business case template and cash template which will be accepted by all the banks. That means that the advisers, accountants, CEBs and the new LEOs should be able to able to mentor and help people to get credit.