Ms Selina Gilleece:

After I comment I will defer to Mr. Johnson. CUMA was represented on the commission by another manager, Mr. Tim Molan, who is not here today. CUMA was involved at every level, including making submissions. We were very happy with our representation on the commission. As someone who was outside the commission and who is very involved in credit unions, it was my clear understanding that when the commission finalised its report the decisions made were unanimous. We were told by everybody they were fully supportive of the commission's report.

I would not like the impression to be given that, following the issuing of the commission's report and the draft scheme's publication, there is a groundswell within the credit union movement because of difficulties with the Bill. That is not the case. When submissions are made, it is important that they be balanced and reflect the comments of those who are supportive of the commission's report as well as those who are negative towards it. The Credit Union Managers Association, CUMA, has close contact with many of those involved in the movement and we believe that there is considerable support for the draft scheme and the report, but I will defer to Mr. Johnson, who was on the commission.