Mr. Jim Brown:

We announced a redundancy programme of 950 jobs at the beginning of last year. The majority of that will be completed by the end of this year, which will take our staff numbers to approximately 5,500 at that stage. Over time, as the bank works through the issues with which we are dealing, we expect that the number of employees will reduce, but we expect that any decrease in jobs will come about as a result of natural attrition rather than any specific redundancy programmes.