Mr. Ger Deering:

We can deal with organisations with a turnover of less than €3 million, as Ms Cassidy said earlier. We get complaints from credit unions and about credit unions. We would not have a huge number of complaints against credit unions. It comes back to the point that I made earlier, where we found in our survey that 80% of people never got to speak to anybody. The people from credit unions generally get to speak to the person.