Mr. Martin Fraser:

The Clearing House Group does not make all the policy for the sector. The policy is made in a couple of Departments. It is not as if the Clearing House Group is all-powerful. It is important that people in the Department of Finance, the Department of the Taoiseach, the Department of Jobs, Enterprise and Innovation, the Central Bank and the Financial Regulator are mindful of these things, and I believe we are.