A question about Danske Bank's Irish operation: To what extent does it have autonomy over IT decisions, or do you operate a centralised model where possible? We operate a one bank, one IT platform solution. That means that we internally in the bank – including in the IT organisation – can leverage a number of benefits as we are part of an international banking group: for example, common IT solutions across business units and geographies. In order to secure that local differences are taken into account, our executive management in Copenhagen works closely together with local management on strategy and decision-making relating to Danske Bank's activities in all markets, including Ireland. Can you outline Danske Bank's IT strategy: what objectives have you set for the next year and beyond? In 2012, we launched an ambitious strategy to be among the banks with the best customer satisfaction and earning levels by 2015. As part of the strategy, it is our mission to "set new standards in financial services".