Mr. Ed Sibley:

That shared service model is definitely plausible but it would require credit unions to come together and work out how to make it work as well as ensuring that they continue to respect their common bond in terms of where and who they are lending to. If it is helpful we could touch on another point. We are aiming to consult this week on changes to the long-term lending rules we have, including thinking about micro and SME lending as well.