Ms Anne Marie McKiernan:

I can say that in our bilateral engagements with the originators of all proposals we are very clear. They certainly can be in no doubt regarding our view of what needs to be addressed in proposals, and how much commitment and understanding of risks and capabilities needs to be put in to driving those proposals forward. We are giving the best of our resources around analysis, expectations and considerations to ensure that happens. Our dialogue with the credit unions is direct and clear on this basis.