Mr. John O'Connell:

I do not know and I probably have a similar list of anecdotes to that which the Deputy has, given we hear stories from people about their experience or wait time or about getting to the top of the queue and being told the bank cannot deal with them. A letter published in The Irish Timesdetailed how a lady had waited on the phone at home before going into the branch, being handed a phone, waiting on the phone and then having to abandon her exercise. There is plenty of anecdotal stuff. The Central Bank certainly analyses call times, but we have called on it to measure wait times in branches as well. There is that element of frustration and there is also the expectation question of what is a reasonable period in which to get service in a bank. The Central Bank should set out those standards.