Ms Ita Mangan:

No, I do not think so. This report is about the entirety of the change and the entirety of the change involves reducing the number of boards from 93 to 16. All of the boards that currently exist cost money. The 16 boards will also cost money but, obviously, they will cost a great deal less than the 93 we have. I keep repeating that the real benefit is that the people who are currently providing money advice services, for example, which are very badly needed and needed on a far more widespread scale that we are able to provide at present, will be able to spend all their time delivering services not providing administration because the costs of administration will all be centralised and there will be significant savings in all of that.