Mr. John Church:

-----yes, and that it is not possible to fix it overnight. Mr. Gubbins mentioned this as well. It is a fact of life that children will find their way around it but where there is a will, there is a way. The reason for not doing it is commercial. The reason for doing it is more of a civil and child protection issue. I set up a Revolut account the other day and had to go through a number of things to verify that I was the right person. There is a way if the companies want to do it. The issue is that an awful lot of users would fall away and then advertising revenue would fall away as well so perhaps these companies have to operate under a different model with less revenue. There is a thing.