Mr. Bernard Byrne:

The Belfry case is obviously a specific one associated with an investment product and a leverage product. That was certainly well researched and a certain position has been adopted. It is going through a legal process.

The general position on complaints is that we now have a very active approach. We track individual complaints and try to identify any thematic issues that would not have arisen in the past. This is to make sure we understand, where there is a series of complaints on a topic, the root cause and whether there is an issue such as the one the Chairman is talking about.