Mr. Brian Corr:

I have been involved with the credit union sector for the past two years and was tangentially involved a little bit before that. Colleagues on either side of me will go into the detail but my view is that the relationship is an improving one. There has been a lot of energy and engagement on the part of the Central Bank in recent times and it has facilitated the Department of Finance, CUAC and the implementation group with access to information and a detailed understanding of why things are happening. We will not always necessarily agree but the relationship is pretty positive and collaborative. The detail of how credit unions interact with the Central Bank on a day-to-day basis is best left to the representative bodies to discuss. We would not have sight of that.