Ms Anne Marie McKiernan:

Yes. In the past we have pointed to international figures that tend to get used that have no specific predictability or validity, but figures in the range closer to 40% or 50% tend to be considered more viable on a long-term basis. A number of credit unions are operating above that range and, in some cases, well above it. However, obviously, other credit unions are operating below it and, in some cases, well below it.