Secondly, we do have a good ongoing bank that we're building and that is poised to respond even better when economic times allow. The vast majority of our ongoing businesses are already making double-digit ROEs. They're all capable of doing double-digit ROEs, better than the cost of capital as well. And I believe that we'll see the upturn once our customers see the upturn. In the meantime, we're working hard to make them as strong and as resilient as they can be given the top line pressures there are. And I think that in many key areas, we're ahead of the game in terms of our restructuring activity, most notably the change of proportion of our wholesale activities to the total that we have effected.So with those introductions, let me pass straight over to any questions you may have. And, operator, perhaps you can take us through that. Question-and-Answer Session Operator [Operator Instructions] We'll take our first question from Andrew Coombs from Citigroup. Andrew P. Coombs - Citigroup Inc, Research Division I have 3 questions, please, one on the charges you've taken, the technology issues and hedges, one on APS and the B shares and then finally, on provisions. If I start with the first one, it's interesting to see that you've taken the GBP 125 million charge for the June technology issues and the GBP 50 million charge on the interest rate hedge products above the line, whereas you've taken the PPI charge below the line. Is there anything we should read into that in terms of you think the first 2 potentially are ongoing or recurring costs, whereas the latter is seen to be a nonrecurring cost? Bruce W. Van Saun Well, I think on -- clearly, on the tech incident, that's an operating pitfall of the businesses that we operate in. We made a conscious decision not to push those back to the affected businesses because, in effect, those businesses secure the technology services from our centralized technology group. So we thought it was appropriate to show those in the Core performance and -- but not attribute those back, so you're able to see the underlying trends in the affected businesses. On the interest rate mis-selling, that's a little bit of a finer call. I think at this point, we left it in Core, and we could reassess that down the road. But PPI to us was something that was really relating to prior periods. And so therefore, it's exceptional in nature, in size and time period, and we felt it was appropriate to leave that one in exceptionals.