Mr. Ed Farrell:

That is not the real story. As in the case of speed limits on roads, there is capacity there. The rules allow credit unions to loan up to the 50% limit and some are further down in that respect. Credit unions started 60 years ago and they provided a service very much in the personal space. It is not an automatic assumption that credit unions will engage in any SME lending. They have been engaged in some of that lending and they probably did more of that before the crash and then wound it down.