Mr. John Hogan:

I absolutely understand the concerns. I will mine the policy space for a second, if the Cathaoirleach does not mind, and just keep it between the ditches, if I can describe it that way. The Cathaoirleach mentioned the ATM operators. We are very mindful of their unregulated space. One of the recommendations from the retail banking review is that we look at granting the Central Bank authority to operate in the supervisory space in this regard. That is a really important piece of work.

More than that, we are looking at developing a national payment strategy that would recognise the role of cash within society and how things can best be managed around all that. That will be developed over the next year or so. I am sure we will have an opportunity to have an exchange on that the next time I am before the committee.