Mr. Kieron Brennan:

I am the chief executive officer of the Irish League of Credit Unions. To my right is Mr. Jimmy Johnson, president of the Irish League of Credit Unions. Further to the right is Mr. Michael Edwards, vice-president of advocacy and governmental affairs at the World Council of Credit Unions, based in the United States. To my left is Fiona Cullen, head of the legal and secretariat department of the Irish League of Credit Unions and further to my left is Mr. John Knox from the research and development department of the Irish League of Credit Unions.