Mr. Bobby McVeigh:

The Deputy asked a very good question. Mr. John Doyle came on board in 2013. If we go back to the beginning, the Deputy's question is very accurate. When I first came in, at which time we had some seconded staff, I spent probably the first six months dealing with credit unions, the league, CUDA - all the support organisations, ensuring that the purpose of restructuring was to strengthen the credit unions. There was much concern about what ReBo would do and how it would do it. Many of the credit unions, whether I was dealing with chapter officers, the administrators' association or whomever, specifically wanted to know about that. Mr. John Doyle has put it quite succinctly. I made it clear to every organisation I talked to during those first six to eight months, and I travelled the country doing that, that we were here to ensure that credit unions are successful into the future but that they should remember that this is voluntary and incentivised but that it is time-bound. That message has been substantively got across. There are only 64 credit unions in the country that have said they do not want to talk to us. That is not because we have not gone to them. We have written to and called them but the majority of the credit unions now realise that this is an opportunity for them to enhance their services, to be cost effective and efficient for their members, and to ensure that each community will have a credit union on a go-forward basis. The view has changed from one of "stay away from those guys" to one of "let us deal with them".