Feargal Quinn (Independent)
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Mr. O'Callaghan's presentation was very impressive and interesting. Most of us were not aware of what the agency is doing. I find that in business one has to have a target. Mr. O'Callaghan stated earlier that a business expects to get its money back plus a little more, which is a little vague. Perhaps he would elaborate further on that. I agree that the ISIF needs full confidence.

Mr. O'Callaghan also spoke about avoiding dead weight and in this regard referred to a newly opened hairdressing salon possibly taking business from a similar existing business. I do not understand that. I would assume that every business has competition. Is Mr. O'Callaghan saying that any new business must be careful not to damage the competition? Perhaps Mr. O'Callaghan would also elaborate on the phrase "term sheet" and say what information is provided in that regard.