I appeal to the banks to bring down their costs. I commend those who have already acted, including the Bank of Ireland. However, I understand that the AIB has only grudgingly reduced its rates by 0.34%. This must be linked to the AIB's overseas situation and the $670 million which was stolen from it. All AIB customers and staff are paying for this. I am aware that employee's profit-sharing dividends, etc., have been reduced, which is regrettable. As the Leader stated, if the rate had gone up by 0.5%, within hours it would have shot up without any difficulty.