Ms Jane Howard:

We had 2,200 colleagues. Approximately 600 will go on transfer of undertakings, TUPE, agreements, whether that is to AIB or PTSB. As we said, we are offering redundancy to colleagues. All colleagues will leave at some point. We will have a very small number of colleagues who will remain in whatever entity we need, once we have revoked the licence and get another one. We are trying to go beyond the typical three- or four-months' notice for colleagues and give them as long as possible. Colleagues are telling us they want to know their dates. Once they have certainty regarding their date, they can look for work outside the bank and start having sensible conversations with potential employers.