Mr. Kevin Johnson:

Obviously every credit union would like to be able to provide loans at a far lower rate. We mentioned it earlier. A balance is required because we want to look after the savers as well. We are looking at ideas on how that could be addressed. If we could continue to be able to look after the savers without the capital pressures that this brings, then it would enable us to be able to give back more on the lending side and make lending rates more attractive. We will be coming back to the committee looking for the support of committee members to achieve that as well.