Seán Sherlock (Cork East, Labour)
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Moving along very quickly, this is more of a general question which concerns the perception I would have had perhaps a year or so ago that the public perception was that credit unions were being put through the wringer by the Central Bank in terms of regulation. There was much discussion at this committee about that process. If I read the tone of the delegates' interventions today correctly, one senses that there has been some improvement in that relationship, or else they are couching their language in very careful terms. I do not know, but I would like to hear from the representative organisations about their perception of the relationship with the Central Bank in respect of regulation and the future of credit unions. Short interventions or answers will suffice. I will start with Mr. Johnson.