Ms Jane Howard:

It is. A tremendous amount of research has been done looking at how much difference it would make if the limit was increased by €10 or if it actually needs to increase from €30 to €60, and what an increase would do to the fraud environment. There are an awful lot of factors to be taken into account before the card schemes actually decide on the maximum amounts and a change to that. I expect that we will see changes and we might see them quite quickly.