Mr. Cormac McCarthy:

Incentive schemes would have had multiple facets, as I think the papers we submitted would say, so typically we would have incentive schemes that were what were called a balanced score card, so there would have been ... there would have been targets for income, there would have been targets for deposit raising, there would have been targets for staff satisfaction, for customer satisfaction and, typically, one of those, you know, would have been loan growth, so ... but it wasn't of itself. There would have been multiple. We used quite a number of RBS variable rate and incentive scheme products that they had existing in the UK bank and RBS, so they would have been very, you know, balanced score cards and people would have had targets for multiple things at the start of the year, not just one thing, Senator.