Mr. Liam McLoughlin:

In all of our 250 branches we have a cash service. The means of delivering that cash service has evolved. If I go back ten years, traditionally the majority of cash services were provided over the counter. There is now a far greater usage of contactless cards and debit cards, and credit cards for taking out cash, which I do not advise because it can be expensive. We still have a lot of use of debit cards. We have increased our investment in and the availability of lodgment ATM machines which is a more enhanced version of an ATM machine. We have 250 branch locations. We have not reduced our branch footprint over the past six years. We have 1,650 ATM machines. Both the ATM and the branch fleet is the biggest in the country. We will have made those cash lodgement ATM machines available in 80% of our estate by the end of this year outside the branch. That does actually-----