Mr. Fergal O'Leary:

We also play a consumer role. Every year, we get well over 40,000 calls and emails from consumers. This is a great source of market intelligence and information. We also get close to 2 million visits to our website.

We could not possibly intervene in each and every one of those cases. For us, it is about making the rules as clear as possible for businesses and consumers. When it comes to systemic or large issues, the teams based in our office examine them.