Mr. Tim Molan:

On mortgage lending, as Mr. Johnson pointed out, collective lending is of great importance but there is difficulty in that regard. It will be easier for the larger credit unions in terms of individual lending but there remains a significant need to address areas such as social housing throughout the country and effectively that can be addressed only on a collective basis. There are now significant difficulties in that area which must be addressed if we are to advance that agenda. That requires closer scrutiny by the committee.