Mr. Jeremy Masding:

I give my staff a series of mandates in terms of the decisions they can make. Therefore, they have their own decision-making rights. That is my job as the chief executive.

In terms of the bank's track record at this committee, I would like to think that, at the end of every meeting, we have talked to each member, taken the details of the cases raised, committed to revert and have always done that.

If the Chairman would like to give me that case, again I give him a commitment that we will look at it. Should I assume the Chairman has finished asking questions?