Ms Jane Howard:

We have only met once, and we have not yet met formally as a board. I am very much looking forward to being a part of that, and Mr. Justice John Hedigan has built a board with significant diversity around it. We should be very confident that it should be able to do some good in working with the banks.

To clarify a point the Chairman made, I have not yet got qualifications, but I am doing the diploma and it is a work in progress.