Ms Gill Byrne:

To go back to the point about the banks wanting to ensure that level of service is maintained for the most vulnerable cohort, it is not just about the most vulnerable cohort Mr. Hayes mentioned. We are fully aware and appreciative that many people in society may not be considered vulnerable, but they are using cash for budgeting purposes. Consumer choice is key here. That is fully recognised by the retail banks and why we are in support of engaging with the finance committee, etc., on this process, the framework and the legislation. We just have a number of challenges that we would like to work through and address.