Mr. Patrick Farrell:

I would always say that my team on the front-line makes the decision. We understand the customer, we know the business and we understand the operators of those premises. We make the decision on whether we lend, but then our credit underwriting team assesses that decision centrally from a credit risk perspective. It is very important that lenders on the front line understand their customers and businesses with which they are dealing. From a credit risk perspective, we get support centrally to manage that at a portfolio level.