Mr. Ed Sibley:

That is the information that we have today but it is plausible that is coming through authorisation in another part of the bank because it would be an investment entity. We can check that and come back to the Deputy on it.

The Deputy's first question referred to lending. Clearly, there is a responsibility on individual credit unions in terms of decisions they make on lending with regard to the safety of their members' funds and their own risk associated with that and the common bond areas we have described. Mr. Casey has described that a little bit already but perhaps he could expand a little on the consultation.