Mr. Liam McLoughlin:

Six years ago we had just over 250 branches. That is the magic number from our point of view. All 250 branches offer what is known as advice. Therefore, we have business and customer advisers in all branches, but we also have what are known as self-service facilities, including lodgement machines. About 90 of the smaller branches only offer that facility; they do not offer full cash or half-day cash services. There are no immediate plans to change that figure significantly, but that is not to say it will not happen. However, there are no such plans because that programme was only completed at the end of August. To be fair, we have moved to the model to which we had planned to move, but that does not mean the position will not change-----