Mr. Bobby McVeigh:

I know what the Deputy is saying and I appreciate that. If one goes back to the commission report, the first draw was supposed to be the capital from the credit unions themselves. To this end, we have been able to do a fair amount without expending public moneys. Trust me, I am not saying we should not spend public moneys. If ReBo had the opportunity to deal with every single credit union and to ensure restructuring could be done, we most certainly would do that but that voluntary component kicks in again.