Mr. John O'Connell:

It would be fair to say that. Bringing in the CEOs and stressing to them the importance of success in this regard is a very good starting point. The customer- and staff-centric approach of a task force, including the banks, would give us the transparency required. However, we have already moved the dates once. Our prediction, on which we have been fairly accurate so far, is that there will be a move again. We would much prefer a collaborative approach with an agreed timeline to which we would all work.