We calculate net fee and commission income by going up to our assumption and having a quick read of it. So net fee and commission income is a percentage of loans and advances to customers. So we scroll down to our balance sheet, there's our loans and advances to customers. Other operating income, again, up to our assumptions, have a quick read.

0.55% again of loans and advances to customers.

Operating expenses, that's your cost to income ratio, and that's going to be 100% of your total income. Credit impairment charges, 0.13% of your interest bearing assets, we've got them just at the top of the page there. And next up, your non-recurring items, zero.

Taxation, we need to decide which of our tax rates we're going to use, we've got the choice of your effective or your marginal. Well, we're not looking at the tax just on the next one pound, or dollar, or yen, we're looking at the tax on all of our earnings, so it's that, it's the effective tax rate, multiply that by your profit before tax.