Mr. Andrew Blair:

The primary role of the restructuring group was to try to restore companies to financial health. The people in the business worked extremely hard to try to achieve that. The goal of the bank, be it in respect of companies or personal customers, is always to try to keep businesses viable and keep people in their homes. That is the way we try to conduct our business because it presents the best outcome for the customer and the bank. Therefore, I do not accept that the role of the restructuring group was to distress companies in any way. The Mason Hayes & Curran review that was conducted does not support that allegation.