Mr. Richard Burrows:

That model would work on the basis that bonuses would be declared and paid or held in reserve for some period of time, vested in other words, but not paid and that, if subsequent events proved that the profit performance of the bank in a particular period was inflated by lending or other events, which subsequently turned out not to be as good as it was thought at the time, there would be the opportunity for claw-back of, of bonuses.