Ms Caroline Timmons:

I will start with the last question first. I can certainly confirm that an agreement was reached with the banks a number of weeks ago. We had heard the same and possibly it needs to trickle down to the rest of the banks' staff so the Department will engage with the banks again today to ensure there is no particular problem. We do not think there is. It simply just needs to filter down to the correct people so we will manage that piece when we leave.