Mr. Ed Farrell:

The numbers are reducing but I do not see the issue coming to an absolute conclusion. There were 16 mergers last year and there will be 16 more this year. There might be a dozen next year. Certainly, the number of credit unions will be down from 400 to 200. If one checks the American, Canadian or Australian experiences, to which we alluded earlier, there were 26,000 credit unions in the United States but now there are 6,000. If it trends along those lines, I do not see it ending but progressing at a slower rate.