Ms Anne Marie McKiernan:

We do not have on-site engagement with the 281 credit unions on an annual basis. Our picture of standards across a range of areas in which we supervise is evolving. There are both quantitative and qualitative pictures. I will not give a particular figure as it changes with all of the engagements that are undertaken every day. The number is at the higher end of what we would expect to see in the sector relative to where it should be, given that the regulations were adopted from 2012 and standards of governance and risk management should be well embedded by now.