Mr. Robert Gallagher:

So the ... as I said, as I said, Deputy, as a statement of fact, Ulster Bank has and had far fewer branches than the two main banks, has and had far fewer customers than the main banks, has and had far less deposits than the main banks, has and had far less, by any banking product category, far less. So it was a strategy to create a universal bank across the banking needs of an economy ... supported by material investment by its shareholder ... material investment ... I would say reasonably unprecedented in the history of this State in terms of the number of branches and business centres opened across the country. So the actions and the investment and the commitment were about actually building a permanent architecture, as opposed to a property business.