Dr. Graham Love:

I will be careful because I do not want to make a strong statement in one direction or the other on how to solve the funding gap, which I respectfully suggest is implicit in the Deputy's question. The Cassells group identified for consideration three basic sources of funding to fill the gap. There is conflicting information in the international evidence, as far as I understand it, about the success or otherwise of recovering loans over the longer term and the degree to which that motivates a decision to emigrate. I am not in a position to answer that knowledgeably.