Mr. Paul Stanley:

We have learned a lot but I will ask my colleague, Ms Arnett, to join in the response to that question. Many lessons have been learned from this process. For me, one is that we must listen to the customer and put the customer lens across what the bank does rather than viewing it through a purely legal or contractual lens. That is a core lesson not only for Ulster Bank, but also others. That is not what was done. The view was very much a legal one of where the bank stood contractually.