Mr. Padraig Ó Cearbhaill:

The point is that certain credit unions do not have the skills sought under the Act. A credit union may be aligned with a factory and the people in the factory may be bakers. Accordingly the members of the board will not have the skills and our suggestion was that, in such circumstances, a director can be taken from outside the common bond and brought in. This is in order to meet the requirements, with which we agree, that directors should have the necessary skills, experience and expertise.