Mr. David Duffy:

The amount of outsourcing we do is relatively small in the total context of running the bank. The types of areas mentioned are in catering, some technology and other areas. In comparison with the rest of this economy, we do no more nor no less outsourcing than any other bank, than government or any other company. There are no enforced redundancies in the execution of our models and all rights of the individuals in question transfer, through the transfer of undertakings protection of employment, TUPE, arrangements.