Mr. Bernard Sheridan:

It is not an issue directly for us. We have tried to do something for the personal consumer in respect of the banks' right of set-off in respect of money in different accounts. When people go into arrears, they must be notified of the potential of this happening. People are notified when opening accounts but it is not relevant at that time. When people are struggling and going into arrears, they must be reminded of the bank's right. Beyond that, I do not see a role for us.