Ms Annmarie O'Connor:

Absolutely, yes, and we commented on that earlier. We would see that for ourselves. Indeed, committee members can see it in terms of bank branch closures and so on. Having a relationship with organisations that are on the ground is very important for MABS. It is also very important for the borrower to be able to go to a place and talk to somebody - a real person - as opposed to a unit or a call centre.