Mr. Kevin O'Brien:

It occurs in the area that we trade. One of the concerns that individual off-licence owners have from discussions with them is that they are competing against multiples. Multiples are doing online deliveries and it is the same scenario. If they cannot take orders from customers, they are losing that customer to the online delivery. Some of them have their own online delivery services at this stage to try to cover this. Legally, the payment has to be made in the off-licence because the person in the van does not have a licence to sell alcohol so it has to be made at the point of sale. It is a decision to compete with the major multiples, which one has to do, or not.