Mr. Seamus Boland:

We are not saying we know the answer to every single question but we suggest strongly that by exploring the model we will probably find a role for the credit union or post offices. As Mr. Bergmann said, it is possible that we will have to design an Irish Sparkassen. We are talking about relationship banking, so if the bank is far removed from its clients, it is not doing its job. We may have to look at this in the design we are proposing. It may not be in Galway city, by the way. It could be in Ballyhaunis.