Mr. Donal Forde:

On that specific issue it was by no means light touch and generally I would say thereafter, as relates to matters of consumer regulation, that sort of continued. It really followed as a consequence of that but there was a great deal of pressure, intervention, review and demand, if I can use that word, from the regulator relating to fees and charges reviews and remedy of things that had gone wrong. So, it would be very wrong to characterise that as light touch, all in the context, now, of consumer regulation.