Mr. John Doyle:

On use of the fund in terms of restructuring, it is very specifically in place to assist in a merged scenario, for example, two credit unions coming together that would have a reserve position of less than the regulatory requirement of 10%. The purpose of the restructuring fund is to fill that gap. Obviously, the credit unions then have to repay the fund, including interest. We have interacted with every credit union in the country that was willing to meet with us and in that regard have 150 proposals before us. The credit unions are solving these problems themselves. In 90% to 95% of cases these issues are being addressed from within the existing capital structures of the credit unions, which, again, we would view as positive.