Mr. Kevin Johnson:

It is already happening. There are various mechanisms in place. We introduced a mortgage support framework to support credit unions in offering mortgages. More than 20 credit unions now offer them and they have processed approximately €44 million in home loans with an average loan amount of approximately €110,000. It is happening. Although some credit unions are able to offer a wide range of mortgages to their members, others are focussing on niches in the market, such as people who may not be able to access a mortgage because the loan amount sought is considered too small by mainstream banks. Credit unions are more than happy to facilitate and look after their members in such cases.