Mr. Peter Brown:

I am the owner of a company that was founded in 2010. Access to capital is certainly an issue, and scaling is an issue. The market is very small. If one is concentrated on Ireland and the Irish market, it is very small. Then there is an international dimension and a scale. There are challenges in that regard. There is no question that many Irish SMEs are small, family run companies and if people get a pension out of them they will sell them.