Mr. Gabriel Makhlouf:

It has been in place for a few years. Essentially, there are areas throughout the banking world that are very specialist in nature. This applies to insurance as well. We do not necessarily at all times have all the skills that we need to do particular tasks. We were prevented previously from being able to do what we now can do. Certainly, one of the things we pride ourselves on is employing very capable and skilful people, developing them and giving them the tools to do the job. At the end of the day, we need to do the best job that we can do. If this means that we need to bring extra skills in, at least we can do so.