Mr. John Doyle:

As we outlined earlier, we have already passed initial information to the Minister on the fact that we are not going to draw down the full amount of €250 million. We will conclude that exercise over the coming weeks.

As regards the public perception of and confidence in that, I see it as something the public should take great comfort from. The public should be able to appreciate that the sector does not need the full amount. There are enough resources within the sector to solve the vast majority of whatever small issues are within it. As regards how the general public view their own local credit union, therefore, they should take great confidence in that.