Mr. Fergal O'Leary:

Perhaps I could give a brief respond to the Deputy's questions. We do give information to consumers. One of the biggest public awareness campaigns we ran over the last few years was around information provision to consumers. We believe there are issues around consumer understanding. The Deputy is correct that there are very attractive products out there. We want to ensure, through our public awareness campaigns, that people consider all of the implications, including credit history, access to mortgages and so on. In terms of the study, what we are trying to figure out is what is the most appropriate regulatory framework to ensure that consumers are protected in this market. We hope to complete that study in the next couple of months.