Mr. Vincent Jennings:

The country has some wonderful entrepreneurs and they are not excluded from our sector. However, our members have disproportionately high costs and none of them will ever become a new Dunnes Stores or Tesco. They have high costs and it is our job, whether they are small, medium or large, to look after the companies in our sector. The eight or nine issues we have listed are the areas on which the committee should increase its overall knowledge. We have made recommendations on who members should speak to to become more knowledgeable. While I am pleased the joint committee intends to examine the banking sector, there are other areas it could also consider.