Mr. Fergus Murphy:

I don't believe so, Senator, but my view will, you know, be a small one there, in that these things need to be benchmarked properly, locally, sector-wise and regionally. So, I believe that there is strong benchmarking that takes place in terms of what is the right amount of remuneration for a person doing a particular job. And so, you know, clearly, I have no influence on my own remuneration and I believe that, with the general improvements that have been made, which we referred to earlier on, in terms of risk governance and how the banks are running ... being run, and what the tone from the top is, I would feel confident that people in the future will get paid transparently, whatever that is, and that it will be properly benchmarked and organised suitably so that the best interests of the society, of the customers and of the bank is maintained.