Mr. Michael Torpey:

Again, I can speak only of my experience working within Ulster Bank Group and my engagement with the RBS Group. And all of the people that I had the occasion to engage with in the RBS Group were, in my experience, people who were well experienced in their area. We were dealing with a bank which was one of the largest banks globally, and I can only speak for the experience of Ulster Bank in dealing with RBS where I found that I was dealing with a business which was, and I repeat myself, very strongly control oriented.