Mr. Jim O'Keeffe:

First of all, this is clearly information we could not share with the committee. Regarding this aspect, the set-up we have is to ensure the processes we have for debt write-down, or indeed to deal with customers in difficulty in general and in putting in place solutions, contain no biases. We discussed earlier the robust process we have around the customer-facing colleagues who work hard with the customers and our credit colleagues who challenge that position very strongly. I refer to how we remove conflict or any consideration of conflict as we go through the process, how it is reviewed then on a reporting basis and the external reviews that take place to give us all assurance there is no bias being manifest in this regard.