Mr. Pat McArdle:

In RBS, which is our parent, for example, they had a group of economists in Edinburgh, much more resources than we had, and they had an internal role and it did precisely what you're thinking about. They had about 20 sectors, which they graded red, amber or green. So they were clearly integrated into the business unit. Now, it was decided in Ulster Bank that I should be external, and we did not have the resources to do both.