Mr. Tom Boland:

In fairness, there is a background to this if I am to give a complete answer to the committee. Mergers are expensive and in an ideal world the State might be able to pick up the tab. There are very limited resources available for these mergers and there are a lot of mergers taking place. What we have had to do is to give only a small contribution towards merger costs. What we expect the institutions to do is through efficiencies or through raising revenue elsewhere to find the additional cost. It is in that context that something like this would arise.