Mr. Joe O'Toole:

In terms of how it could be done, we mentioned earlier that the business plan for every credit union depends on two sources of income, one of them being investment income. It does not need a change of legislation to allow them to keep their reserves in, let us say, a State-guaranteed fund for social housing where they will get a better rate of return than the 1% they are getting at the moment. There are simpler ways in which it could be done. I think the decisions would be at Central Bank level because as Mr. Hession has said, the legislation in its general principles allows for an approach in that direction.