Mr. Conor O'Kelly:

We have the State savings market, to which reference was made. There is approximately €20 billion in State savings, which are retail State savings. To what we are referring in that regard is the institutional investment market. Ireland is not a big institutional investment centre. It does not have the pension fund and insurance industry that exists globally. The fact is that the financial centres are Frankfurt, Paris, London, Tokyo and New York. That is where the capital is. We travel a lot. Ours is a planes, trains and automobiles job selling Ireland and making sure people are informed and aware of the credit and risks.