Mr. Seamus Maye:

I want to clarify what we were speaking about earlier in respect of Deputy Pearse Doherty's question. The Public Banking Forum of Ireland's position is that we need to establish ten public banks around the country and that was our position in the submission we made to the consultation. That is where we see the collaboration between the credit unions and Sparkasse. We are not ruling out the Sparkasse people and we are not ruling out credit unions.