Mr. John O'Connell:

Yes, we have engaged with all the banks, more in terms of information-sharing than good engagement.

I point to the exit dates that the banks have identified. We have not engaged with them on those. We have written to the exiting banks and so forth but there has been no proper official engagement. We have ongoing daily engagement with the banks on various matters but, as to whether there has been engagement at a strategic level, the answer is "No". We have written and requested engagement. We have also identified this to the banks' representatives.