Mr. Liam McLoughlin:

I apologise if there has been a misunderstanding. That was not the intention. It was a question of how to synopsise 100 pages into one or two paragraphs. We talk about the risk framework in place, which is approved by the court. All the matters go to the court risk committee. We also talk about the bank having co-operated in 2015 with the work of the committee, to which the Chairman referred. I do not believe there is any intention on the part of the bank to be glib or give a wrong answer in respect of risk governance. What goes on is actually very comprehensive. There is a very strong, integrated approach to risk management in the bank that is very much to the fore of how we do business on a day-to-day basis.