Ms Noreen Byrne:

Yes. It creates an orientation towards the member and how the member is viewed. If one thinks according to the "provident and productive" principle, one must put oneself into the member's shoes. In this regard, Deputy Mathews asked whether a holiday loan, for €10,000, for example, is productive or otherwise. In the credit union, one would like to give such a loan but one must put oneself into the member's shoes and, as a consequence, one might encourage him or her to go on a small holiday, for example. This often happens where the member is buying a new car, for example.