Mr. Bernard Byrne:

We have a long-standing relationship with An Post anyway. As we were closing down branches in a number of rural locations, we expanded that relationship to include significant functionality in post offices around those locations in order to take the transactions. Last year we conducted over €1 billion of transactions through An Post, which was approximately a 7% increase year-on-year. This equates to 3.25 million transactions. The largest single piece consisted of SME paper transactions, which very small businesses find useful for lodging cheques and cash. That is where the offering is. We have continued to expand it; for example, there is now a slightly more enhanced credit card capability. We will do that because it is useful and helpful from both parties' point of view. Every now and then, we are competitors of An Post as well. We both compete for business such as deposits and other offerings.