 The main challenges the UK banking sector faces today is the regulatory environment we're operating in, as well as the overall economic environment we're in. And dealing with those challenges requires being very focused on capital and liquidity. Fortunately, most banks have a much stronger capital position today than they did three or four years ago. At Barclays, for example, our Tier 1 capital ratio has gone from 5% to 4 years ago to over 11% today, and we have over 160 billion pounds of surplus liquidity. Our relationship with the CBI is very, very important to Barclays. Both the CBI and Barclays share the objective of getting the UK's private sector to grow again. And to grow requires having more confidence in businesses and the economy generally. Our initiatives and partnering with the CBI are designed to foster and boost that confidence. Export growth is the key theme from virtually every UK company I visit. Most of the growth they're experiencing in their businesses come from export-related activities. So being able to boost that activity was important to us as well as to the CBI and the economy generally. At Barclays, we're very focused on helping our customers deal with their cross-border activities. In a word, the most important message from today is confidence. We need to collectively have confidence in the ability of the UK as a nation to compete. We also need to have confidence in our ability as individuals and businessmen to compete. Clearly at Barclays, we are confident we view the current environment we're in as an opportunity to invest in our businesses and to help our customers achieve their objectives.