Dr. Ciaran Byrne:

I will start with the second piece. The loan scheme is going to be run through high street and pillar institutions so it will be open to individuals and non-commercial landlords to just go in and apply as you would go into a bank or post office to get a loan. There will obviously be criteria and we are lining up the eligibility criteria with the criteria around the schemes as well because you do not want a situation where your criteria for the schemes are X and your criteria for the loans are Y. They will be open to anybody to apply for as a private individual.

The Deputy raised the small energy grants scheme and the other situation with the small enterprises. Mr. O'Mahony may give more detail on this but under the community energy grant scheme we go into small businesses and community centres and look at the full suite of options that are available to a small business to improve its energy performance. Some of that is to do with the electrical costs around refrigeration and things like that. Mr. O'Mahony may want to comment on that.