Professor Philip Lane:

The Central Bank is at the midpoint in this review. In terms of where the total numbers are going to end up, we are a little precluded from coming to final numbers on it. I take issue with your characterisation of the role of the Central Bank. I am not going to disagree with you that, as we have signalled repeatedly in various speeches, the banks need to improve a lot. They need to improve a lot in terms of having a culture of being consumer orientated. Part of our work, as we said in the opening statement-----