Ms Annmarie O'Connor:

In general, we have a good relationship with all lenders. Obviously, at times it can be uneasy because in some cases we are telling lenders that a borrower is not going to be able to repay a loan and we are trying to broker an agreement with an individual credit union or bank. We would work more closely on the ground with credit unions, obviously, because they are on the ground in the same way as MABS-----