Mr. Conor O'Kelly:

As regards the other two, there have been discussions between the Irish League of Credit Unions, the Department of the Environment, Community and Local Government, and the Department of Finance. Essentially, we would view it as everyone engaging in a positive manner. Like any other investor, the ILCU has to come to us and said, "We can provide X amount", and we will see what we can do. Obviously we have to balance that against the taxpayer who, in many cases, will pay the interest bill on this. Therefore, we have to see if it is fair for all sides.

They are still engaging and some of Mr. O'Kelly's staff are involved as well so we are advancing that.