In regard to Senator Higgins's amendment, I am in two minds about the whole credit union issue. I acknowledge credit unions have done huge work in recent years. They provide a service in many communities and workplaces which is not provided by others, or they provide it on more preferential terms to people who want to borrow small amounts of money. That service was not being provided for a long period by the commercial banks. It is very praiseworthy that the credit unions have provided this service. Within the movement, however, there is a wide disparity in regard to the different types of credit unions. There are some very small ones in rural villages or small workplaces and there are some very large ones which dispose of a lot of money, including credit unions based in some of the semi-State bodies.