On the subject of trips, we have a number of different prizes and recognition events that our employees are eligible for right across the bank. Whether they be front-line staff or back office staff, they can be eligible for this program.
The program is based on adhering to our code of conduct, number one. It's forwarding our objective on the client experience as well as those activities that I spoke about, to forward a good client experience and as well grow the business.
In terms of an employee feeling that they may jeopardize their manager's attendance or participation in this program, our code of conduct is very clear. Our ethical and professional standards that we ask our team to live up to are very clear on this. If you feel you are being asked to do something inappropriate, tell somebody.