Mr. Jim Brown:

Royal Bank of Scotland put a significant amount of capital, around £15 billion, into Ulster Bank through the downturn. I think it was the right thing to ask about 18 months ago if there would be a viable business for Ulster Bank in this market. A review was undertaken over a 15-month period and there was a very clear commitment from RBS that they are committed to Ulster Bank. We think there is an opportunity for Ulster Bank to be a competitor in the market and to contribute to the economy. We are looking for the market to rise over time, which is what we would expect. The members should put out of their mind any questions or doubts about our commitment. We are here to stay.