Mr. Patrick Kenny:

We did a study last year on consumer detriment and that is what we got at.

We asked people how much time they had spent dealing with traders. Most of the billion-euro cost is wasted time. A lot of it relates to things like this where it is very easy to come into the room but, all of a sudden, there is no button to click, no email address and no process laid out as to how to leave. It is a huge problem.