Ms Francesca McDonagh:

I can give a very quick answer. Flexibility is an important part of our resourcing. If people have left the bank on voluntary redundancy and we have a short-term need for service for our customers, whether that is because of seasonality or other factors, we will on occasion use contract colleagues to provide operational and front-line support in particular. We have a mix of predominantly permanent but also some temporary colleagues within the bank. That is a normal flexible resourcing model that we deploy.