Mr. John Trethowan:

We meet the trade bodies as well as the banks. They encourage their members to come to us. There may be a reluctance to come to us for fear of antagonising the bank. Given a situation where the market is concentrating, if one loses one’s relationship with one’s current bank it might be difficult to find another one. That is the only assumption I can make. If I am made aware of any bank that has taken a view on a customer that because he or she has gone to the Credit Review Office that they will be penalised I would take it up with the Department of Finance to address it with the chief executives of the banks. I do not have any evidence that is the case. I do not believe anyone who has come to us has subsequently been unfairly treated by the banks.

The Deputy’s second question was on the overall capacity of the system.