The public sector has a huge responsibility with regard to euro preparations; nonetheless, we have also been telling businesses that are seeking to change and modernise their systems to think about the euro and what may be ahead.For example, the banks have a multitude of customers—the same customers, depending on the policies and products that the different banks offer—and must find out how best to communicate with policy holders so that those people do not end up receiving 35 or 40 different letters from their insurance company, bank, mortgage company and credit card company.