Mr. Gerry Mallon:

I see the same media as everybody else, and I see allegations being made, and I know that RBS is firm in terms of its denials of that type of conduct and behaviour. RBS also came out with a very clear statement on the firm rebuttal of that type of underlying accusation. A Mason Hayes & Curran report was done in the Republic of Ireland, which found no instance of that type of behaviour. RBS undertook a process on a couple of identified flaws to try to remediate past issues, one being the issue that complaints of poor treatment of customers who were in the GRG were not properly looked at, and there was a fresh opportunity for customers to complain.