Mr. Mark Bourke:

If I may take that question in a couple of pieces, I think talking about the private bank is appropriate. One of the elements of a successful initial public offering, IPO, which was in our prospectus at the time, was actually a commitment by the remuneration committee to look at the remuneration area for the critical management elements of the bank. That was part of a normal IPO process and private investors in general look for an alignment of interest. I absolutely agree that in general, people view bankers as being well paid and there is no question about that. In respect of loans and the operation of the bank, I go back to my initial comments to the effect that this is all related to the normalisation of the bank, which would be the reduction of those non-performing loans, NPLs, and the ability to deliver a profitable bank that can actually lend.