Mr. Fergal O'Leary:

There is no duplication. I thank the Senator for raising that very important point. We have a co-operation agreement with the Central Bank that ensures there is no duplication. Senator Kieran O'Donnell stated that two State organisations are considering the tracker examination. We do not believe a third would help, so we have a co-operation agreement with the Central Bank to ensure there is no duplication and that we are not coming onto a pitch on which there are already enough players.