Mr. Bernard Sheridan:

The issue arose in the context of the national payment strategy. There is a workstream on it and it refers to the earlier point about the move to less cash. The question is whether we can deal with everyone's situation and one of the implications is the situation described by the Chairman. Work is being done to trial whether banks, in the context of the wider strategy, can deliver what the Chairman suggests, such as lower denominations in ATMs. That must be done in association with a move away from cash, but when one really needs the cash, one should be able to access it.