Ms Paula Duffy:

The dual sign-off eliminates that consideration. It is the person collating the information who makes a case and there is then a second review and challenge. As Mr. O'Keeffe said, there is an over and back, and a challenge. It offers mitigation, to a degree. First-line sampling is also layered over it in the business. Second-line review occurs and there is also an external audit.

In terms of the loop-back, certainly employment would be a consideration in terms of a risk appetite for new lending. That would form part of risk appetite in that space.