Mr. Robert Mulhall:

I will make a number of points. It was regrettable that we had to embark on that branch closure programme after the financial crisis but a very important dimension to this story is that we entered into an agreement with An Post at the time to offer full banking services in 1,100 post offices across the country. We are the only bank doing that. It was a key part of our continued commitment to rural Ireland and ensuring we were continuing to provide services in that regard. It should be recognised that as we look at the migration of transactions to digital, there is an unstoppable force there in terms of the level of transactions that are now being executed over online, mobile, etc. It is not just a young person's fascination; it is across the full demographic of the population of customers we serve. We do regular customer experience surveys with our customers to determine the level of service we are offering. Our customer service continues to improve in that regard.