Mr. Gerry Mallon:

I think it is incumbent on everybody in a leadership role in this organisation and in this industry to have a balanced approach to being able to grow the business and manage risks at the same time, and we require that. We have a balanced approach to assessing performance, involving both risk and growth in the performance of the business. We look at it over the long term, particularly in terms of what people are paid and what subsequently gets clawed back if those risks manifest themselves.