Mr. David Duffy:

In respect of our flexibility, I do not believe we have any special flexibility or special ability based on the ownership architecture, as the bank has to be run at commercial arm's length under the terms of the framework agreement and, second, these matters are overviewed by the Regulator and, therefore, consistency between banks is governed by that framework. What we have is, perhaps, innovative approaches that we try to apply; for example, we are engaging with one of our largest critics to try to get people to speak to them instead of us. We can put that kind of innovation on the table, which may be different from what the other banks are doing, but as to the core principles of how to deliver solutions, they are, effectively, regulated.