Ms Marion Kelly:

There are nine themes in our work programme. As mentioned, three work streams have been established to date and two more will be established during the course of the next few weeks. Of the three that have been established to date, the first is in respect of speaking up and how comfortable bank staff are in challenging authority and whistleblowing. The second deals with services for bereaved customers. We hope to announce something in that space in the coming week. The third and final work stream is financial awareness and education.