Ms Jane Howard:

I have not found a rotten culture here. As I said, we have more than 3,500 people in Ulster Bank and they are trying their best to help our customers get financially fitter. It would be wrong for me to sit here and say that it is very different. The UK may be further ahead, but it has had the payment protection insurance, PPI, issue, and it had that earlier than we had the tracker issue here, so I think it has moved, worked on its culture, and focused on customers earlier than we have. It did have the same cultural issues, it just happened to be a different product. Our commitment, and my commitment, is that we are going to take culture very seriously. We are doing that and that work started before I arrived. It comes to focusing on one's customers, listening to them, and acting on what they are telling us.