Mr. Kevin Johnson:

That may be in reference to what credit unions can do under section 44 of the Act. They can establish a fund. In the first stage a credit union can put in 2.5% of reserves. Following that 0.5% of the annual surplus can be put into that fund, with the permission of members at an annual general meeting. However, that is for a different purpose. Many credit unions use that. However, what we are talking about is on a larger scale. It would need to be done.