Marie Louise O'Donnell (Independent)

I am pleased the Minister is here for purposes of clarification and communication and if Senator Byrne had spent less time giving out to us about him the Minister would have more time to answer the Senator's questions. I am in deep despair much of the time when I talk about the banks but there is one question I would like to ask the Minster, namely, if the banks are shops, which he rightly suggests they are, can he bring about a situation where customers can leave them and shop elsewhere without penalty?