Mr. Fergal O'Leary:

It is the regulator of the sector. It has all of its consumer protection codes and the so-called know your customer process, and all of that type of thing is catered for there. I think it would be a quicker and easier process for it rather than us to look at it. As Ms O'Leary alluded to earlier, we have the economy-wide remit and that is the reality of where we are.