Mr. Fergal O'Leary:

I can say generally that the third of our four strategic priorities is to give information to people in order that they can make an informed decision. That is absolutely something we support. We know, however, that consumers are often overloaded with information, particularly in the insurance sector where a lot of information comes in through the door and hits the mat and a lot of disclosure information is required by Irish and European legislation. An honest answer would be that perhaps the Central Bank would be better placed to look at that type of disclosure information and to say what would make things better for consumers in terms of allowing them to make an informed choice and, one hopes, incentivise them not just to go with the supplier they were always with.