Mr. Bernard Byrne:

Yes and no, in the sense that the chief financial officer is the person who is responsible for all finance, but there are several hundred people in finance who work throughout the organisation all the time. The chief risk officer obviously heads up that whole organisation. She has a senior management team which works across the bank. There would be senior management teams dealing with the financial solutions group, the retail business bank and different aspects of the bank on a day-to-day basis. It is integrated in terms of how the bank works, but the risk perspective that ultimately accumulates at board level or leadership level is brought to the chief risk officer, who is one of the dozen voices that sits around the table expressing a view. That officer has the ultimate view in respect of the risk position that the bank might take.