Kieran O'Donnell (Fine Gael)
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The model I am looking at is to let the credit unions operate individually. If they are moving into an area, however, there must be prudential lending and skill sets available to enable that lending to be assessed. I wonder can Mr. Sibley come up with a suitable model for the credit unions. They are doing it at the moment with home loans where they have appointed Link ASI, previously Capita, to look at home loans as they come in. Can something similar be done in the small and medium enterprise sector to allow any credit union to offer the facility but with a set of skills in the back office to enable loans to be properly assessed?