Mr. Ed Farrell:

There should be some help in the de-risking. We spoke about a centralised facility. To return to the Chairman's comments, we reached out and there were some visits from Sparkasse to see if its foundation arm could help credit unions by demonstrating its German SME lending model. We could introduce the concept of the "county town" or, in a geographical sense, larger credit unions becoming brokers or agents of the strategic banks.