Mr. John O'Connell:

That was all part of the debate and everything is on the table, as we see it, in the future of banking. We are staking our claim and saying we believe the best way is to start with the governance and to include staff and consumer representation in the banks where the key decisions are made. That should be a key focus. There are some challenging issues in the sector, such as gender pay. The Central Statistics Office, CSO, report of 2018 showed a 32% differential in gender pay, while some banks have published figures of 24%. There are significant live issues to be tackled. Others include cybersecurity, digitisation and artificial intelligence, AI. There are many issues to consider.