Mr. Brian Rushe:

I will make a brief comment before handing over to my colleague, Mrs. Doyle.

On the bridging finance and the role of the credit union movement, when the credit unions entered the agricultural lending sector they put pressure on the banks and we have seen growth in the cultivate system. That has been spoken about all over the country and the scheme is now viewed by farmers as a key tool to finance farms. The credit unions could have a huge role to play by providing bridging finance and it is an opportunity for them.