Mr. Gerard McConville:

The €90 million is our total asset base, there are loans of €35 million and only a third of members are borrowing. If there was a six monthly review that allowed us to keep issues under control, we would have no difficulty. Credit unions could get into trouble anyway by overlending. At present, every loan is considered on an individual basis. We see this as a prudent management of lending because it places a cap on this type of lending so a credit union would be aware of its maximum exposure in this type of lending. It would act as a protection.