In talking about the review, the first thing I want to stress is that we see this as very much a co-operative project. When we announced the review, the first thing we did was to call for an initial round of consultations, both with industry and with any other interested parties that wanted to contribute. We’ve had a good response to that.
We have had discussions (sometimes multiple discussions) with most of the main market players; we have talked to people working in particular fields of payments innovation; and we have had some discussions with end-users of the payments system.