Mr. Jeremy Masding:

I will say a few things which may be linked to the previous question and then move on. There has been a definite increase in engagement with the bank since the announcement of Project Glas. What has been noticeable is the number of conversations that have happened and the amount of cash that has been put to the mortgages. That is a good thing and I would encourage customers to continue to talk to us.

In terms of further plans, we have said that we are looking at all options, including capital market solutions. I am not at liberty today to give any further detail, but we are looking at all options. As soon as we are in a position to make a market announcement, we will do so. I say market announcement because market disclosures, when inappropriate, have very adverse consequences for the bank and its directors. I do not have anything further to say, save that we continue to look for further solutions. As the members have collectively said, we are at 16%, which is an NPL ratio that is just not sustainable for a financial services business.