Mr. Justin Kelly:

We have a good working relationship with the banks. There is daily interaction for our operational people. I definitely would not say that the sector is a hindrance to our work. At management level, we have bimonthly meetings, we have intelligence sharing and we have a number of pilot schemes under way that we are both working on to try to improve efficiency about the reporting. My discussion with Deputy Doherty was on section 19. We have a pilot scheme to try to improve that at the moment. We have a good relationship with the sector and we work well with it.