Question-and-Answer SessionSo Bill, the bank has just passed halfway through the current 3-year plan to taking the bank back towards 13% RoTE. When you reflect on this period, what have been the biggest changes that you've implemented as CEO? And what are the key challenges and opportunities that you see for the rest of the plan?William WintersGroup Chief Executive & Executive Director Well, first of all, thanks for having me. It's very nice to be here. You're quite correct. I've been in the bank for 10 yea ...