Mr. Felix O'Regan:

To supplement that response, Mr. Crowley referred to the fact that so much of what was happening in Ireland with the Irish Banking Culture Board was going to be informed by what had happened in other jurisdictions. The Netherlands and the United Kingdom are very good examples. One of the messages coming back which clearly will inform the thinking is that rather than responsibility for advocating on behalf of consumers being situated within one part of an institution, it is about trying to have it permeate throughout the system. That is a major challenge and it will not happen overnight, but that seems to be the message that is coming back based on the experience in other jurisdictions. That is the journey on which they have embarked. It has been done in different ways in the Netherlands and the United Kingdom, but people involved with the banking board seem to be able to report and point to developments and progress in that regard. It will be a journey. Essentially, what we are trying to achieve is permeating responsibility for behaviour from the customer's perspective throughout the organisation, as distinct from lodging in one part of the organisation.