Mr. Cormac McCarthy:

There wasn't ... there wasn't anything particularly new. I mean, there was a theme in banking generally, of automation. Credit authorities generally, were vested in centre-independent credit. That would've been the case in Ulster Bank and that stayed the same. Other than a general drive towards automation and centralisation of processing which was thematic in the industry, there was nothing particular done. In fact, in my time in First Active and in my time in Ulster Bank, I always believed in the importance of the local branch and the local service and the community side of that. So, thematically, we were keen to make sure that local service was delivered locally and as best done locally, but there would've been, as a matter of course with greater systems automation, there would've been increasing centralisation, yes.