With regard to tax matters generally, we have gone through a similar cultural change. Since the Public Accounts Committee DIRT investigations and since the development, during the late 1990s, of the money laundering regime - which includes tax evasion - which now applies to banks. Banks are being required to heavily invest in compliance.
Money laundering is a special focus of the Financial Services Regulator’s inspections programme and there is now detailed guidance in place for banks in this regard. I feel that there is no similarity in the way tax issues are treated now and the way that they were treated in the early 1990s, either in the banks or, I think, among the public generally.