Mr. Tom Considine:

First of all, Chairman, you are absolutely right that all directors have the same legal underpinning of their roles and are all charged with the same job of running the bank. Section 48 of the 2010 Act, with which the committee will be familiar, makes it clear that all directors of the covered institutions have an overriding requirement to take care of the public interest. As with all directors who are serving on a board, their particular background-----