Mr. Dermot Sreenan:

I am delighted and gratefully accept the Chair's kind words. It will be very good for the money advisers to hear that because it is really important for us to get the clients' stories out there. The way that we propose to deal with this matter is to have bilateral meetings with the nonbanking entities and go through those cases, and then we will gladly report back. If we meet a certain level of inflexibility, which is what we are hearing at the moment-----