I think I have dealt with most of the points raised by Senators. The question of credit unions was also raised. The credit union movement has occupied a unique niche in a very competitive and fast-changing financial environment. Credit unions foster a habit of saving and thrift. There is no doubt the movement is based on a very admirable principle of self-help and mutual co-operation and that there has been a tremendous record of impressive growth in recent years. Voluntary effort is a particular feature. The Bill as initiated provided that the functions of the Registrar of Friendly Societies would be carried out independently by a registrar of credit unions.