No. I think both can be pursued simultaneously, that we can look for a reduction in the spread. People will argue, as the Deputy's party leader argued consistently, that the cost margins and the portion the Irish banks, particularly the four main banks, have taken is way in excess of comparable European banks. People can argue — and I would share the view — that that cost spread should be reduced and that the overall general cost of money, if one looks at the real rate of interest as against the rate of inflation, should be reduced. In the case of small and medium-sized businesses which, chronically, have difficult access to working capital or to start-up capital, according to themselves, as the Government is clearly committed to promoting such businesses, provided we are satisfied with the details the banks furnish, which is where we are at present, the use of taxpayers' money in that way, if it achieves a positive result, is totally consistent with the usage of such money to give grants to businesses to start up in the first place.