I will respond to specific issues raised by Senators. Senator Higgins complained about the delay in dealing with this measure from the time of its introduction. No Oireachtas committee was established until some time after the convening of the new Dáil. Therefore, while the measure was introduced on Second Stage as one of the first measures of the new Dáil, the necessity to establish the committees imposed a considerable delay in progressing the measure. The Senator also raised the question of bank charges, of which I am advised that the Competition Authority is conducting an investigation.