Mr. Bernard Sheridan:

I am not confirming those figures because I have not done the calculations. There is no doubt that when one uses these loans, for a longer term, they are very costly. We have tried to get a handle on the type of people who borrow from the likes of the firms mentioned by the Deputy. We have tried to find out what the borrowers use the money for and its impact. We have published the findings. Some of the findings have surprised but that is what the consumers have told us.