Ms Mairead McGuinness:

On the Apple decision, it is important that we have legal clarity. Of course I support, as a Commissioner, the decision of the college to support the Competition Commissioner in that regard. On the Deputy's second point, I will be general rather than specific. We are all concerned about how data, particularly private data, is used. One of the things we are looking at is how to maintain control of data, even in the use of data in the financial system. I will say no more than that because I have not, thus far, gone into the detail on the insurance sector. We are reviewing the Solvency II package, so this will get my attention in the new year.