Mr. Dermot Sreenan:

Yes. On 28 February we hosted a round-table discussion with the front-line services from MABS's four different regions, and with the Central Bank's director of consumer protection, Mr. Colm Kincaid. Mr. Kincaid launched some very valuable research that came out of Global Money Week on 10 February. We enjoy a good relationship with Mr. Kincaid. He is being made aware of the difficulties we are encountering. We need to follow the process. The Deputy will understand that we need to negotiate, and we need to have these bilateral meetings and go through the process that exists.