I thank the Ministers for this useful debate. Deputy McGuinness is in the Chamber. He has campaigned for this for a long time, which should be acknowledged. We need to see firm actions arising from this. It cannot just be a talking shop of a Thursday to fill out the Dáil schedule. The banking sector has seen enormous changes in the last ten years, and in the last five in particular. All of us in this Chamber will have seen these great changes, for example, the move towards online banking and away from traditional b…