In that time when you were part of the cleanup crew, as you say, in the bank, how do you go about doing that when the public stopped giving you the benefit of the doubt?

Well, the interesting thing, let me start by talking about the fact that RBS was an internal construct.

The Royal Bank of Scotland is the bank that RBS was born out of.

And ironically, what the data showed is the customers of the Royal Bank of Scotland, first of all, called it the Royal Bank.

They didn't call it RBS.

And secondly... were pretty proud of being customers of the Royal Bank and understood what had happened.

And even though the trust had gone, you know, that was quite straightforward to rebuild by focusing again on the Royal Bank itself.

Do you think that in this new world of AI and other emerging technologies, we can still find outstanding breakout big ideas as much as we used to be able to do?