 First and foremost, we are interested in diversity and all aspects of diversity because of how important it is in terms of the behaviour and culture of firms and how they are run. We see risks where we see low levels of diversity in terms of risks of group think, risks of overconfidence in decision making, risks of a lack of challenge at senior levels and a risk of an excessive resistance to external challenge. So a couple of years ago, we started doing some research in terms of actually what could we see beyond anecdotal evidence. And we looked at our fitness and probability data, so the data around applications for the most senior positions in the financial services firms in Ireland and 80% of the appointments at their most senior level were men over the last six years. It's one aspect of diversity only but clearly an important part. More recently, we've taken an opportunity to do a deeper dive into the retail banks operating in Ireland and looked much more at both the data and also what they're doing. We find that the issues are particularly acute at the front line, so in those really most senior roles that drive the business forward. So the CEOs, the CFOs, the heads of business lines where 94% of appointments are men typically from similar backgrounds and with similar experiences. So that really does show that there are significant risks around there of group think that the risks around overconfidence and poor risk management.