Mr. Matt Carthy:

May I say just one thing on that? I am sure members will remember that we actually had quite an amount of competition in the banking sector in this State. In fact, it contributed to the crash we experienced. Therefore, whatever we are doing, if we are getting to a point at which we are attracting banks from outside the State to enter the Irish market, we need to put in place mechanisms and protections to ensure they cannot just cut and run as soon as things do not necessarily go their way.