Mr. Patrick Sharkey:

Absolutely. Ms McDade and Ms Shovlin are in the position where they have started their works and they are patching this together with the assistance of credit unions, family members etc. It is completely unrealistic. The fact is that as a group we are dealing with the reality of this scheme as it is presented, as well as how it interacts with our mortgages. Yet, this ultimately is not an end-to-end, fully-funded redress scheme. This does not cover 100%. We are trying to make do with the grant scheme and we are trying to make it work. There are examples of agricultural grant schemes in the farming sector, whereby they can ultimately draw down grants, but the banks will have the facilities in place to deliver the project. That is a similar scenario to us. We need the banks to provide tailored facilities, not alone for the interim funding, but also for the longer-term shortfalls. Ultimately, this is because the home or the security that is underpinning that mortgage is worthless until it is complete, and that is in nobody's interest.