I know the laws of competition - but the reality is they just have to do business differently now, would you get into business with a company who has been say less then honest in the past? Don’t think so, the honesty is only to say - we are not lending to..... or we are not currently in the mortgage market, you do have to have your current account with us for 6 months before you get a CC with us, the list is endless and most people who are genuinely looking to banks for a more honest relationship they [the banks] and the financial regulator are sadly lacking in this skill. What that means for the majority of Irish people is wait until the preverbal hits the fan, then, they will look at sorting the mess out - no forward thinking, no preventative measures nothing.