Mr. Sean Hosford:

It is not even about shifting, it is to bring a bit of balance to the loan book. I am CEO of the Health Services Staffs Credit Union, a large industrial credit union. We have a loan book worth over €100 million. The loan book turns every 28 or 29 months, that is how quickly the loans are repaid. Therefore, one must be lending very quickly because the money is coming back in as quickly. If a certain proportion of our book had loans with terms of ten, 20 or 25 years, it would give a steady stream of income and put us in a stronger position.