Mr. Fergal O'Leary:

It is steady. What is not steady, though, is the fact that 227 consumers contacted us about rising prices. That is not consistent with earlier periods. We were most contacted about the mortgage question, with motor insurance being second. That is part of what we do.

We have a role in enforcing consumer protection legislation. At this point, we have no evidence to suggest that it has been broken. We would examine anything that came to us. Anything that looks to us like a breach of legislation is generally escalated from our consumer helpline to enforcement teams and considered fully there. Currently, no investigation on our consumer protection side is ongoing.

We have a co-operation agreement with the Central Bank, which has powers complementary to ours in terms of consumer protection. We have a financial education role, which is funded by a levy on the industry. Through that, our helpline, our website and other channels, we give information to consumers about financial services generally, including insurance.