This is hugely important at a time when the economy is on the verge. PricewaterhouseCoopers spoke yesterday about significant growth in GNP next year. All this depends to a great extent on consumer confidence. As a confidence building measure, nothing would be better than for consumers to see merit in what is happening and have a sense of confidence in themselves, their lives, the economy and the main players in the economy. It must be regarded as utterly unacceptable to us that the rate cut made by the ECB should not be passed on to the consumer via the banks and the other institutions.