Mr. Ed Farrell:

Again, they are all individual entities owned by their members. One does not add them together to get sustainable or not. Each of them makes those decisions. As Mr. Corr said, if there is a handful or half a handful of low reserves, they are sustainable. However, for local reasons, the boards and members have agreed to merge with a neighbouring credit union in more than 100 cases in recent years. It was not necessarily because they were not sustainable but maybe to access better services, not least because of the common bond issue.