Mr. Jeremy Masding:

There are two different dimensions to that. First, on numbers, as I have said to the committee we have no plans, based on the facts I have in front of me, to close any branches in the immediate future. Obviously, as I said already, that might change as demographics change. In terms of the branches themselves, I am very proud of the people working in our branches. The service they provide is first class. We provide service to all generations, as well as to both personal and business customers. The statistics I have seen show that the service provided to our customers is first class. Obviously we must keep investing in technology. I am sure there are services that can be taken out of the branches and put into machines, but that does not mean we are going to remove the human interaction which makes Permanent TSB special in the communities it serves.