Mr. John Doyle:

This is a question we get asked at board level all the time. We have no grand plan for the number of credit unions there should be in the country but we are all advocates of restructuring. We believe in restructuring for the reasons outlined. It is not that restructuring is the be all and end all solution for credit unions. My background was in a relatively small credit union. We understand the issues facing them. Restructuring in many instances will give them an opportunity to provide better products, services and infrastructure for their members. That is all we are trying to do, namely, encouraging credit unions that want to move in that direction and working with and facilitating that for them.