Mr. Gerry Mallon:

I have not been involved in reversing any decision. I cannot answer that more broadly for RBS or for Ulster Bank prior to my time, but I suspect that the answer is no. The reason for that is that the decision to close a branch is only done after really detailed and thorough analysis and investigation. A detailed cost-benefit analysis is gone through. We obviously understand the cost of running a branch, in terms of the physical premises, the overheads and the cost of the staff, and we understand the benefits in terms of the usage of that branch by the customers and the business which it develops.