Ms Derville Rowland:

We welcome the inclusion of the senior executive accountability regime in the programme for Government.

We welcome the inclusion of SEAR in the programme for Government. It is our request that enforcement is strengthened and SEAR is brought into being, together with universal conduct standards for all, which are very important. We are working with the Department of Finance to bring those measures to fruition. We believe they will considerably strengthen the standards of conduct by the participants in financial services which, after all, is exactly what we all want to see. These measures will drive up standards and conduct.