Mr. Ger Deering:

In terms of the Deputy's question about the banks leaving and why we think that is the case, in honesty, we do not really know. It is not an area that we have particular expertise in. It is more of a regulatory issue than for us. We, as I say, only deal with the individual complaints and we would not be privy to that information as to why they are leaving. As the deputy ombudsman has said, we regret any move. We would like to see as much competition as possible in the country.