Mr. Gerry Mallon:

I agree. We do, and we are thoughtful about what we do. Ultimately though, we are a commercial business and we cannot support a branch which is fundamentally unviable. The kind of dialogue that we have with customers and community groups is much more about the leave behind and the use of alternative services. It is about understanding the individual customer's needs, whether it is a business customer who needs the deposit in cash, an elderly customer who needs to interact in another way, or a regular-----