Mr. John McCarthy:

I wish to add one comment. Deputy Devlin made a valid point about the State savings schemes and so forth. One of the real issues at the moment is not so much State savings but household savings. That is probably where Deputy Devlin was coming from. There has been a vast increase in household savings. It seems to be mostly at the commercial banks but I imagine it would affect the State savings schemes as well. We have seen data from the period from March to August. It is double what it was in the same period last year. That is a valid point.