Mr. Brian McCrory:

Absolutely. When others appear, the rhetoric is that they are simply trying to protect members' savings and that we are not trying to do that. On the contrary, we are there, first and foremost, to protect members' savings. We try to afford members the opportunity to reinvest their money in their local communities, whether through social housing, SME lending or some other way to empower the community, such as unsecured personal landing. Such people are not being afforded that opportunity and there needs to be radical change in the mindsets of the people who regulate and govern.