Mr. Des Carville:

I watched the proceedings a couple of days ago and I heard the comment. I was not quite sure whether the comment was directed at us or other stakeholders. The Department of Finance genuinely has an open-door policy. I am quite happy to engage with the sector and meet representative bodies. I did a little work in that regard. Over the past quarter, we have had three CUAC meetings and two tripartite meetings, which involve the Central Bank, ReBo and the Department of Finance. We have met the Central Bank separately twice and we have been talking to advisers who advise credit unions on their investment activities. We are trying to understand directly from advisers who advise credit unions exactly what the issues are regarding the investment restrictions. We have had three meetings on this since the start of the year. We have met CUDA four times. ILCU we have met twice. We have attended CUMA-CUDA conferences. My colleagues and I will be attending the ILCU conference next month in Citywest Hotel. Those are the headline items I would flag. On a day-to-day basis, Ms Aherne, Mr. Tom Byrne and Mr. Brian Corr are in constant contact with individual credit unions and also the representative bodies. I am not sure whether the comment was necessarily directed at us. Is there anything Ms Aherne would like to add?