Mr. Bernard Byrne:

We have set up an entire governance structure, consistent with the framework, which is separate to the day-to-day organisation and management of the bank. This considers the individual scenarios and circumstances. There is tiered process that runs through in this regard. This is subject ultimately to any appeals and review process and a KPMG review and challenge process. There are very few things that have as much challenge in terms of consideration of this, but ultimately this does not mean everyone will agree on the position that has been adopted.