Mr. Des Gunning:

-----and this would be a means to deal with that. I have moved around during my life and if I left a tenner in a credit union in west Cork in 1977, that money does not belong to the credit union, it would probably be in the general reserve but it would not belong there. It would belong properly in the dormant accounts fund because that legislation is now in place. As a matter of good housekeeping, any credit union treasurer or supervisor would want the dormant accounts fund to apply.