Gerry Horkan (Fianna Fail) | Oireachtas source

That might bring us to one of the next points. The Chairman alluded to the idea of champions and so on. Most members, not just in this committee but Members of the Houses, have been supportive of the credit union movement over the years. One of the positive points about financial inclusion is the aspect of the "It Makes Sense" loan scheme in co-operation with the Department of Social Protection and MABS. I ask Ms O'Connor to elaborate on that and how it takes over from some of the licensed moneylenders and so on.