Mr. Bernard Byrne:

That is a perfectly valid view. My opening statement mentioned factoring balance into all these decisions. There is a consequence of every action. One has to determine what one wants. The more prescriptive something is, the more people will do it but a heavily regulated system cannot compete with a non-heavily regulated system so one needs to decide these things in the context of looking for an organisation to be nimble, agile, flexible and to compete against fintech, for example. That is not for us to decide but there is no action without consequence.