Mr. Eamonn Crowley:

Absolutely. I read the paper produced by the Financial Services Union, FSU, which addressed this area and I met representatives of the union to discuss that paper in detail. We will take part in any forum which is established. It would be important for such a forum to represent all stakeholders in the banking sector, and there are many of them. It should also be chaired and managed in an effective way to ensure the forum considers all aspects of banking. In that regard, we have competitors that are not banks operating in the area of banking. It is important, therefore, that we have a level playing field when we come to think about banking services and approaches to how we offer such services to our customers. I reiterate that the banking sector is at the core of any properly performing economy and is an important part of it. Therefore, we must ensure that our banking system survives and thrives. I do not mean thrive in the sense of shareholders benefiting, but thriving in a way which will mean that we will continue to be able to offer services to our customers in a way that makes sense to them. We must make a return on those services, because doing so will enable us to lend more. If we build more capital, we can lend more money. That is the way it works.