Mr. Tom Considine:

The rate we charge on cards is reviewed fairly regularly and that particular one was considered to be below the competitive rate. It is always difficult, but as my colleague said it is particularly unfortunate at this time of year. The fact is that one of the things we must do is to return the bank to a sustainable basis. A continuous review is taking place of the rates the bank charges and the rates it pays on deposits. Without a functioning banking system that is able to stand on its own two feet, go out in the market and raise money, we will not be able to support the economy as we would wish.