Mr. Simon Barry:

I will briefly add a couple of things on that exact point to add to what Mr. McHugh was saying on the banking side of things. We made a number of recommendations that we have seen followed through. We very much welcome two things in particular that relate to the Deputy's point. One is that, when the new consumer protection code comes into effect next year, mortgage providers will be required to provide an annual personalised savings statement to draw customers' attention to any possibilities to change products and benefit from any savings that might arise if products with lower interest rates than their prevailing rate are available. The second thing we are also glad to see feature in the new code is a requirement for lenders to point customers to our website and our Money Tools services to allow people to see the range of product options available.