Mr. Matt Carthy:

To finish on that, the problem is how we put in place those accountability measures. I understand what the Chairman is saying about the European Central Bank, ECB. The problem is that the ECB is not the most accountable of bodies. The committee is engaged in a battle to get its representatives to come before it. They refused to attend the banking inquiry. In the first instance, the process that needs to be exhausted is to either enforce our Central Bank or increase its current powers to protect consumers in terms of the work the banks are doing.