The only thing about it is that the pressure is now on them. Now, next year they gotta win. But they certainly have the capabilities.

The only thing I can say is, I've been through the same thing, and you do come back strong and you can heal strong and come back the same player 100%. He's in great shape, and he's a hard worker, so I have no doubt he can come back and be the same player.

The players know there is pressure on us to beat Scotland. We have to show the form which got us results last year and forget Twickenham.

The point of the commercial is to continue to build pressure on the governor to sign the bill. His legacy and his place in history is very important to him. We need to remind the governor he is at that place.

The performance in global clearing was the only real negative we can point to this quarter as balance growth has clearly slowed here. But we also suspect that continued pressure on commission rates played a role here as well.