Mr. Paul Stanley:

It will be a combination. Some of those staff were already at risk of redundancy but were retained as part of the bank. Some staff were in line for redundancy and, indeed, many wanted to move on and may decide to go. We will look at the numbers and what other issues in the bank require support. Many of these staff have built up a very good skill set, whether they use it in Ulster Bank or elsewhere. We need to decide on this. Put simply, if there was no tracker mortgage examination in a year's time, and nothing else was happening in the bank, many of that 200 would be surplus. That does not refer to the individual staff member but the full-time equivalent numbers in the bank.