Ms Francesca McDonagh:

I agree that people should be able to speak up with absolute confidence. That is why, as chief executive officer, I have sponsored a code of conduct relating to how we treat our customers, the conduct we exhibit, how we show respect and courtesy to our colleagues and how we ensure compliance from a legal and regulatory perspective. With our code of conduct, we have a defined speak-up culture where people can raise concerns, whether anonymous or not. I would look at those cases, regardless of whether they are anonymous, with the same lens to see if we are doing the right thing. We believe to date we have done the right thing by including the 9,345 customers in the tracker examination. I would be happy to take those cases away and have a look at them.