Mr. Colm Kincaid:

I definitely see a benefit in considering that at this stage. I say considering because it is not a total solution even to authorised push-payment fraud. As everybody will be aware, it is very effective for certain types of push-payment fraud. There has been some commentary publicly in the Netherlands. It depends on how it is introduced and how it is introduced alongside other methods. As the Deputy has mentioned the Commission's proposals and the possibility of implementing things here ahead of time, perhaps Mr. Casey might like to comment.