Feargal Quinn (Independent)
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I thank the delegation for all these explanations.

There were two or three things that I did not understand. Will Mr. Trethowan explain the following: credit register, the credit bureau and credit scoring and why it will not be introduced for one, two or three years. What is happening in other countries with those same systems? Are we copying what others are doing or are we trying to do our own thing? Are we way behind what others have done in this area?

I hear many good reports - and I do not hear of many failures - with crowd funding and the ability to get finance from other sources rather than just banks and lending institutions. Does Mr. Trethowan have experience of it, does he recommend it and would he comment on it?