Mr. Jeremy Masding:

I fully agree with that statement. Although my language was loose, when I referred to the taxpayer, I meant to include the shareholders. On the retail shareholders, since 2012, I have attended seven AGMs, at which one can feel the pain. We have a responsibility to do all we can to bring the value of the bank to somewhere at least meaningful, recognising that, sadly, the level of value destruction for those retail shareholders was enormous.