Mr. Eamonn Crowley:

It is also fair to say that Project Glas is at an early stage. We retain optionality and flexibility around how the final structure will operate. Indeed, within that, we think of split mortgages in a different way to the others for all the reasons that we have discussed here that the committee has outlined and we also understand. Therefore, nothing is defined with regard to that perimeter at present because we are at an early stage and we have flexibility.