Mr. John Doyle:

Primarily, there are three uses for that fund. There are our own operational costs, which are relatively small. There is stabilisation support, which can be given to an individual credit union in very specific circumstances where its regulatory reserve is between 7.5% and 10%. There are very few credit unions that fall into that space. Our only other recourse to that fund is for voluntary restructuring proposals. What we have come across in our interaction with the sector is that there has been one credit union thus far that we have dealt with where we have been unable to help in that regard. The reason we were unable to help it - I think this is informative - is that in a voluntary restructuring proposal, there has to be another credit union. We were unable to find another credit union that would merge with the particular credit union in question on the simple basis that the level of funding that would be required and the interest cost that would come with that made it unattractive to find a partner credit union for it, but that has only been one instance.