Mr. Bobby McVeigh:

Our remit is basically that of restructuring. On the restructuring component, as I outlined to the Deputy's colleague, a restructured credit union with a large membership, an open or an expanded bond and a large asset base has the ability not only to be compliant with the new regulations but also to enhance its services, and those services in my opinion, and I know I am supported by the board on this on a go-forward basis down the road, can be delivered in a full service financial institution called a credit union which can compete with any bank in the country. That is part of what restructuring can bring. It will not happen next year but we can see from some of the restructured credit unions, particularly those located in small communities, that were only able to offer except savings and loans facilities that, through restructuring and becoming part of a bigger entity and without losing the community linkages, they are now able to enhance the services even there.