Mr. Kevin Johnson:

I emphasise the point that with some credit unions referred to by the Deputy, it is a self-imposed savings cap. It is not a case of refusing savings from any individual member. The sad part of it is that it is reflective of the restrictive nature of the credit union that it cannot utilise those funds in a prudent and provident manner. We mentioned the ability to lend for housing projects earlier. If we had that simple amendment either to the class of investment or indeed to the Credit Union Act, the funds would be welcomed and members of credit unions would be delighted to see their savings put to very prudent and provident use.