Mr. Derek Moran:

We have had ongoing interaction and very good discussions on the various proposals from the credit union movement. We have worked closely with it to find workable solutions. It is probably unfair to say there is a lack of interest. It is a case of finding something that works. We are always open. The credit union unit within the Department will have had those engagements but it is unfair to say the Department of Finance is in some sense an impediment to what credit unions want to do.