Mr. John Doyle:

In the case of some of the mergers that come about and others, often when a credit union transfers its engagements into another credit union, which is what we are essentially all about, it will often remove those lending restrictions for that credit union in becoming part of an enlarged structure and moving into a transferee credit union that perhaps does not have a lending restriction. That opens up the possibility for that credit union with the lending restriction that its members will be in a position where they are not subject to those restrictions. It can be a positive factor in terms of credit unions deciding to become involved in restructuring.