merely an internal document at this stage. Monti hasn't taken a decision and he has no position on it.

We actually prohibited the attempt by Visa to impose a similar rule in Europe,

One of the questions the Commission is looking into is the fees that the banks must pay each other for carrying those credit card payments, and there we expect a decision before the end of the year.

The companies made proposals that have yet to be formalized.

At present consumers should be considering energy savings.

We believe that there will be an impact on growth but that impact should be limited.