Mr. John Hannigan:

To confirm the point, in the phases about which I spoke regarding the work we were doing in setting up a special purpose vehicle, the credit unions were asked to issue terms and they did. There is a consideration about which I cannot speak about because it is commercially sensitive. One of the conditions for the credit unions to be able to do this is that they do it using their own vehicle. The problem is that it has not been set up. The credit unions have been allowed by the Central Bank to do this, but they have not done so yet.