Mr. John Doyle:

When we started out there was a great deal of misconception of what ReBo is about. Most of our staff, myself included, professional lives aside, were volunteer directors and supervisors in credit unions. From November of last year to the middle of this year we engaged individually with the boards of 323 credit unions and discussed with them what we are about and what we are not about. We are not dictating to credit unions what they should or should not do. We asked them fundamental questions around what is in their members' interests and whether they can currently provide the products and services their members want and whether they will be able to continue to do into the future.

As I said, in the beginning there was a misconception and wariness of the credit union restructuring board. The credit union movement now understands what we are about and is, I think, very open to what we are about. They see us for what we are.

The voluntary aspect of this touches on everything. We are simply there to work with those credit unions that wish to avail of our services.