Mr. Eamonn Stapleton:

I will give Senator Dooley a quick response. We should, of course, leave it to the industry to innovate. We should be innovating, and I think we are innovating but we can only innovate within the constraints of what is required of us. On this particular subject, while we do not want everything to be prescriptive, because you are not allowed to innovate, take opportunities and so on-----