There is one point that the rapporteur addressed and which continues to be seen as a major problem by many members of the public, by which I mean the high costs involved in transferring funds across borders. ###>- Monsieur le Président, Monsieur le Commissaire, Monsieur Trichet, j’ imagine combien vous devez être satisfait à la lecture du rapport de M. Lauk, et je ne vous le reprocherai pas.