Mr. Martin, I would just add that we've been researching over the last number of years around people who are socially excluded; they're also financially excluded. They don't have bank accounts. They don't have access to credit. So from the point of view of having access to finance to get over these humps that Gerry talks about, they don't have that, unless they go to moneylenders at horrendously high interest rates.
That's something we're working on with the financial institutions here to try to tackle, to try to get basic bank accounts through the postal system to alleviate the type of marginal income problems that people have who are living at risk of poverty.