Mr. Bernard Byrne:

The overall programme that took place in 2011-12 was part of our EU restructuring programme. We had an obligation under the EU programme to take €450 million of operating costs out of the business. As part of that programme, we closed approximately 30% of the branch network in terms of number of units. The solution we implemented was around those closures. I will ask Mr. Mulhall to talk about the impact in terms of the local market and what we are trying to do around that. The €450 million programme was part of our EU restructuring plan.