Mr. Paul Stanley:

Yes. Most of the GRG loans were put for a period into forbearance arrangements to see whether there was a potential to work out. We were quite clear at our previous meeting that our success in that regard was limited. In effect, only 100 recovered, which is the number we gave the committee before, in terms of the population that went in there. A large amount of the 2,100 customers who went in initially were sold on as part of the process. To date, our investigation has been on one area, as part of the RBS umbrella, which was around the complex fees element.

In terms of any further investigation, that would be a discussion with the parent bank as to what it is doing and, indeed, what is appropriate.