Mr. Michael Lauhoff:

We have changed the services we provide but only in response to the change in customer behaviour. We had to do that to ensure we retained our branch footprint and could continue to provide a service. We continually review our branch footprint to see if we have appropriate representation. On the question regarding rural branches, we have not opened any new branches in rural locations recently but we have opened branches in Grand Canal Square, Cherrywood and Ardkeen in Waterford and, as I said, we continually monitor our branch footprint. We do not have any plans at this point to close any branches but we do monitor our footprint on an ongoing basis.