Mr. Sebastian Barnes:

These data give rise to other possibilities. Some studies in the US looked at different communities just to see in real time how inequality is responding in things like that. There is a significant widening of the possibilities with these kinds of data. We may not be quite there yet. A good characteristic about the Irish data is that we have the ATM data. Some countries do not have that and so it is hard to know - they do not know whether people are spending more with cards because they are doing less spending with cash or because they are actually spending more.