Mr. Ed Sibley:

He or she would have to pay back whatever was the variable element.

The third point is that incentivisation goes beyond simple bonuses. We have seen an instance in which there was a table on a wall which showed things such as who was top of the charts in lending through to who was going to be promoted. There are lots of non-pay incentives. We are trying to understand how people are incentivised to behave in a particular way within their institutions and make sure it is aligned with both the long-term success of the institutions and the sustainable treatment of their customers. That is one of the reasons we are very interested in the behaviour and culture of firms because how culture is driven affects how people are incentivised. It is very much at the forefront of our minds.