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It is felt that those are respectful, human processes, which take account of how people are and how they work, and which do not try to fit everyone into a one-size-fits-all approach.
There was a distinct lack of industry expertise at executive and board level, and the convoluted system of governance involved multiple levels of accountability, with no clear lines of decision making.
On surplus earnings, there are very specific complicated rules. I do not know of any accountant who looks at the issue, such as the accountants from the Low Income Tax Reform Group, who understands all the technical detail.
Through our for all the UK plan, we will hold ourselves to account on ensuring that the diversity of the UK is better represented as a result, and we will do our best to ensure that we are telling those stories when we come to account for that, even if we cannot do so in cold numbers.