Dr. John Farrell:

Or they borrow it. I have been involved in GP training for the past 30 years and we have had a significant number of people going into graduate entry and coming out after four or five years with loans of €100,000, as happens routinely in America. It is really hard for those people then to turn around and to look for a mortgage and to set up a practice, so they will take work where they can get it. However, they are then asked to take on the burden of setting up a practice and buying another premises. They just will not get that under the financial guidelines now, so they have loans of €100,000 and the intern salary is now €35,000. It is poor to start off. Those people then come out of medical school with those loans and have that repayment capability. Then they are asked when they finish after another four years' training to set up in practice and are told they will need to rent buildings. We just need to look at this and ask how we retain those people in practice and how we can help them set up in order that the patients are looked after.