Mr. Bobby McVeigh:

I will use the following example. Of the countries I have worked in, be it Poland, Romania, Canada, Australia, New Zealand, this is the only country that the Government saw fit to ensure this sector survived and survived well and put an incentive in place to do that. I would tell the credit unions that this is a golden opportunity but it is time-bound and voluntary and that they should not leave it to 2016 or 2017 to come to us because we will not be there. It is as simple as that. They know that and we have made that clear. By 31 December 2015, we will be toast.