Mr. Kevin Johnson:

It is not only banks. There are many new competitors in the personal lending market and there are new delivery mechanisms. The credit unions need and want to evolve. That means having to do some new things and doing some of the old things in a new way. I would not like anybody to think that we suddenly want to jump from being a credit union to being something else. That is not the case.

It is an evolution and we are very conscious of managing the risks along the way. I would hate anybody to think we want to go into development finance or anything bizarre like that. One thing that we cannot lose sight of is the current and potential future members of credit unions. This is about the ordinary person and giving him or her a credible alternative where they can avail of financial services. That is a critical thing in all of this.