Mr. Eoin Dorgan:

To expand on that, a lot of the banking culture is looking at the long-term value of banks. It is a regulated entity so, increasingly, one is seeing at the forefront of this, particularly in the UK and the Netherlands, that the logic of this is the long-term sustainable value for the shareholder and fostering a customer-centric approach. As Mr. Tobin mentioned, our colleagues in the shareholding advisory division meet the banks, and we will expect them to be saying that. The banks get it from both sides because when they meet our division we emphasise what we want, which is a competitive banking environment that supports customers, because that is in the long-term interest of the wider economy. It is also in the longer-term interests of the banks themselves in that they are competing in competitive environments. If they do not do so, they will be undercut with the growth of banking union and, as has been said, banking is more international because Internet banks are being offered across the European Union.