Permanent TSB might have usefully consulted with Joe Macri, Microsoft's top exec based in Ireland, who earlier this year told an audience of small business leaders at a Chambers Ireland event in Croke Park, "if you remember nothing else from this talk, please remember that I and other people who work in Ireland and were not born here are NOT nonnationals. I have an Australian passport. I am a foreign national. Non-nationals are persons without any nationality."

Ethnicentrepreneurs. com is the place to lodge entries, up till 8th December, but a check of the website in an effort to find out how "ethnic" would be defined revealed only the message "parked for free by Godaddy. com".

Intentions? Good. Execution? Slightly off.