Mr. Larry Broderick:

We have raised this problem across the industry. The people who work in that area are probably the most stressed staff in the industry. The nature of the work they do makes them very vulnerable. When we have suggested to the banks that these staff are under pressure, they have responded to us by saying they have to manage this issue in the best interests of the banks and their capital requirements. That is the kind of response we have got. We have asked members to raise particular issues with us on a confidential basis.