Mr. Alan Gray:

Our research practice has done work in the financial services sector, including for banks. Most of the work in financial services we've been undertaking internationally have been for regulators, such as the UK Financial Conduct Authority, and we did a very major study that you might be aware of for the European Commission on how to protect consumers in financial difficulty. And I'd like to just particularly answer the question about banks. The only bank that we have ever done any research project work for was Bank of Ireland. It was never in relation to any issue that was related to regulation or related to any issues before the Central Bank.