Mr. Gerry Mallon:

Chairman, I will ask Mr. Blair to answer the second question which is about the efforts that were made to restructure those companies ahead of any portfolio sale or so on.

A remark I will make in relation to the Financial Conduct Authority FCA report - which, of course, I have not seen and which has not been published - is that the principal actions undertaken by RBS, which we are also participating in around the refund of complex fees and the establishment of a new complaints process to listen to companies who feel that they were mistreated or not treated properly at some way through the GRG process is something to which we subscribe and we are active in this process. Mr. Blair has already referred to this. I ask Mr. Blair to answer the other point.