Mr. Ed Farrell:

No, not really, particularly in light of the administration burden. The average loan has been approximately €500 so the loan for the year will generate less than €50 in interest, whereas for the moneylender it is €150 in interest. There is a burden in collecting any loan. Certainly, credit unions stood up to the plate. We are all about trying to rehabilitate people who may be cut off from the normal financial wagon.