Mr. David Duffy:

My view on that is that banking as an industry has been irreparably damaged in many ways. It is going to take a considerable amount of time to rebuild trust as, referencing your example, I think that in rebuilding that trust you have to address the conduct issues, which are a regulatory, topical subject at the moment. Conduct risk and how you behave, how you lend to customers, what you sell or don't sell to customers, the fitness for purpose of the product you sell to a customer. That philosophy must become appropriately and deeply embedded in the culture, and if you do that you will start out well, and over time you will re-earn the trust of your customers.