Mr. Bobby McVeigh:

I will answer the Deputy's very good question about the age profile of credit union members. This issue is not unique to Ireland. All the countries I have worked in, particularly Canada, are wrestling with the same problem. Those between the ages of 20 and 35, in particular, tend to be borrowers who need money. They comprise a target market that needs to be addressed well. As my colleague has indicated, if one does not provide the services demanded by people in that age group, they will go elsewhere. As we go forward with the restructuring and the mergers that are taking place, the asset size and the membership will increase and the additional services should become more affordable. That will enable us to entice this target market to become members. I want to make it clear that this problem is not unique to Ireland. It is a major problem, even for very successful credit union movements around the world.