Mr. John Doyle:

In the interaction of ReBo with credit unions, it becomes very clear that the credit unions see themselves - I think they are correct - as being at a critical point in their existence, and to go forward, they need to service a whole generation of members in a different way. Many credit unions want to provide what one calls banking services, but they do not want to become banks. ReBo has a very specific remit, which is entirely around restructuring. Many credit unions see and recognise the fact that restructuring and putting themselves on a sounder platform on a bigger scale puts them in a far better position to deliver on that.