Mr. Ed Sibley:

I think that is pretty much it. From a regulation perspective, we addressed this earlier. The governor refers to clawbacks and ensuring that incentivisation is consistent with looking to the longer term. That is enshrined in the regulations. That is a different matter to the specific point with regard to the legislation. We would be very keen to have the cultural change espoused by the banks, which we want to see, being properly incentivised. That is not necessarily always monetary. We talked a little about this matter earlier in the context of who is getting promoted and about how people are being recognised for good performance. That should be aligned with the cultural changes required within these institutions.