Mr. Kevin Johnson:

I wish to emphasise the point Ed Farrell is making and, indeed, your observation that credit unions do not make money on these. If the credit union is to do more to deliver this social benefit this is where the balance is critical, to get the economic return to be able to do more and deliver more of the social benefits. One can see why the business model must evolve so that the less fortunate can benefit more from the credit union, as well as those who are fortunate. The credit union is there for all. The more we can do, the more good work we can do.