As Senator O'Toole said yesterday, the House is concerned that there should be no conspiracy or collusion by a banking cartel. We must recall that the ECB president, Wim Duisenberg, said there is more room for manoeuvre. The ECB will address the matter again as early as 1 July to see how further interest rate reductions can be made. This is all very welcome because we need to stimulate the domestic economy as well as avoiding any tail-off or possibility of economic stagnation. We are aware that we have suffered and our competitiveness is crucially important, so I would like to see it being addressed. There should not be the current differential that exists between necessary commercial borrowing rates, particularly for the vast range of small businesses throughout the land that are so important for the economy. I would make a plea to the Minister of State in that regard.