Ms Gráinne McEvoy:

May I add to and supplement that answer? I apologise for the technological glitch. The mandate does reside with the FSPO. Its role includes dealing with individual customer complaints related to financial services. As Mr. O'Brien referred to, our role is wider and, to use the Chairman's language, takes a macro perspective. The mandate does exist, it is just outside our remit and lies with the FSPO.