That said, there is a responsibility on consumers. I have noticed in recent years since the country has become more affluent that consumers in a wide range of areas are not nearly as discerning as they should be. We should remind them that, if they vote with their feet when it comes to purchasing goods, it is the real essence of and determining factor in competition. If they did this with banks which are not passing on the full interest rate cut, we would see a change of attitude for the better.