Mr. John Doyle:

In the context of all mergers of credit unions, we provide post-implementation and post-restructuring support. Essentially, we go back to them after a period to discover whether they have delivered and whether they have achieved what they are seeking to achieve. We provide financial support to allow them to achieve their mergers. This support relates to the costs directly associated with the merger process. We are not specifically providing financial support for them to rebuild their infrastructure.