Ms Francesca McDonagh:

I am mindful of that challenge. If we do not pay people fairly in an economy that has a positive GDP figure and in which the level of unemployment has decreased, we will have a high attrition rate of good people. That will have a considerable impact on customers and other colleagues. As it is also cost inefficient to have that turnover, I am mindful of the issue. If we have a stated policy, I will confirm its application to shorter term contract workers also.