Mr. John Doyle:

The majority of the credit unions with which we are dealing - restructures and mergers are occurring because of that - are not typically credit unions with serious financial issues. That probably explains why, in terms of our drawdown from the credit union fund, we are finding that much of the restructuring we are doing is being done from within the existing capital structures of the credit unions involved. One of the primary recommendations in the commission report was that in the first instance, we should try to solve those problems from within the existing capital structures without recourse to the Exchequer.