Ms Jane Howard:

We have seen some regulations come out. Obviously, they relate to the prudential side. One of the regulations relates to the need for retaining more capital in respect of non-performing loans and, as we discussed earlier, the averages and the desire to get banks to below 5% of non-performing loans because that percentage is seen as being high. Undoubtedly, we will continue to see new regulation coming out, particularly as one gets new developments. It could come out on the conduct side, which would be from the Central Bank, or it could come out from the EU. As technologies develop and as we see things such as artificial intelligence being used in robotics there will need to be new regulation to ensure that consumers are protected.