The last bit of the question was a bit broad. Not all my assertions have been wrong, but I do learn and try to learn. Indeed, I have discussed openly some of the things that went badly and wrong judgments, as well as things that have gone well. I have referenced, for instance, the fact that when we first brought in guidance on funerals, it had the impact of too many people staying away—spouses who might have been married for 50 years. We changed that, because it was an error. Absolutely, the learning culture is important. It is important that it is set from the top, and I am happy to be open about the errors that I have made—others can be open about their errors—and learn. I also think it is important to be robust where you think you have made a decision correctly.