Mr. John Doyle:

Credit unions come in all shapes and sizes. They come to us for a variety of reasons. Undoubtedly credit unions engage with us on the basis that they feel overwhelmed. That is very clear. Other credit unions will come to us that have no issues in terms of governance and viability but they see restructuring as something that is positive and that if they go down this route they can enhance what they deliver to their members, but the other reasons are also true.