Pearse Doherty (Donegal, Sinn Fein)
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I have some final questions as I know that other colleagues want to come in. With regard to the lenders having a bespoke product, would it be fair to say that bridging finance will still be required under the new scheme? The retainer of 10% is going to cause huge problems in Donegal and elsewhere. The witnesses were 100% right to make the point that it is going to cause a serious problem if people cannot pay the contractors on time, or pay the individuals who are carrying out the work, if it is not a contract job. Would it be fair to say that the ask is that there should be bridging finance at 0% from the lender?