Mr. John O'Connell:

We were equal participants in the forum in Tullamore. There was quite an extensive range of stakeholders, such as SMEs, consumers and other colleagues that have a vested interest in the banking system being a success, including the banks themselves and their representative body. In taking at face value what was discussed there, it was a really good starting point. We are now out to public consultation, where the public have an opportunity to input into the future of banking. This is the kind of debate we wanted to generate, so we welcome it, but-----