Ms Anne Marie McKiernan:

We have that broken down also by smaller, medium and larger credit unions. Interestingly, the smaller credit unions, defined as those as less than €25 million, have a slightly higher average loan to asset ratio than the sectoral average because the sectoral average is currently approximately 27%. There is also significant variability. The maximum loan to asset ratio is in the lower category credit unions. That can sometimes be anomalous but it is worth pointing out.