Mr. Jim Brown:

I am unsure of the Deputy's question, but let me try to answer the broad range of questions outlined. From an Ulster Bank perspective it is clear that we have more than enough capital. We have had the full support of RBS through the crisis. A total of £15 billion was injected into Ulster Bank through that period.

The other key point to note is that we have taken considerable provisions, including in December of the year just gone by. This was to enable us to deal with the legacy real estate issues and to get them behind us once and for all. They will be gone over the next three years.

We are involved in the asset quality review process and I am comfortable that we are in a good position for that.

There was a question on restructuring and the volume of restructuring that we do. Last year we did £350 million in addition to new lending. It was over and above that.

Reference was made to credit unions. I believe the credit unions have a role to play in the community. Obviously, they do small ticket and personal loan lending and so on. I do not really have a view on whether they should be involved in SMEs. The key area to highlight is that it is important that the right skills and expertise are involved in any organisation when it comes to that lending, and that should be examined.

We have a regular dialogue with the Department of Finance and the Central Bank on a wide range of issues and we update them on our various strategies and progress against those.

Ms Graham may wish to comment on the farming sector and entrepreneur training.