And again, it must be emphasized that the effect of some of these changes is not felt immediately. The recommendations of the Zaken Committee were implemented over the last few years and it is reasonable to assume that when their full effects are felt, we will see an increase in the level of competition.
When one thinks of the BSP, one may have the initial impression that our functions are detached and removed from everyday life... the impression is that perhaps, the policies and regulations we churn out do not have that much impact on the ordinary citizen... I hope very much that we would get past this notion.