As we have been arguing, the major issue we must deal with is the importance of financing of development. For yet another time, financing of development has become perhaps the most important pillar for Trinidad and Tobago’s recovery process. Every so often, we have different challenges in the development process. There are many challenges facing the banking sector one of which is the issue of the cost of banking in Trinidad and Tobago. This challenge should be addressed head on. We as a community should look at the competitiveness of our banking system, both in Trinidad and Tobago and in terms of the global arena. Such a frontal attack will now require us to review our reserve policy as well as to look at opportunities for the de-risking of banking transactions in Trinidad and Tobago.