Mr. Maurice Crowley:

We do analysis and then publicise it to share with all the stakeholders. The emphasis is on mortgages in particular at the moment. It is a very hot topic in this market. We also look at the development of the SME market and at payments. There is a big move away from traditional methods of payment to cards, digital services and so on. We use the data we get from the banks and from the Central Bank to share the trends that are out there.