Ms Adrienne Murray:

In some of the applications we see, there may be particular legacy debt, both personal or business. However, in some cases, due to the type of business concerned, it is not a lending call; it is an equity call. They need somebody to invest in the business because they are pre-revenue. They could still be at the research and development stage. There are plenty of avenues. We would suggest those avenues to them, in terms of grant support, small equity or business angels. We are building up our knowledge too.