I wish to ask the Leader a serious question, which follows on from an issue Senator Brian Hayes raised yesterday concerning the banks. Once again the banks are not passing on last week's ECB interest rate cut of 0.5%. This is a very important issue which continues to arise. The House needs to draw attention to the ingenuity and capacity of the major banks in this country to slip some of this money into their pockets along the way. I will not belabour the point, but the ECB cuts rates to give a boost to the European economy if it is sluggish. It does not do so in order that Irish banks can put their hands in the pockets of consumers here, but this is what is happening. They are doing this in all sorts of devious ways.