Mr. Michael Lauhoff:

I do not know the exact number of branches that we have closed but it is a single digit. We have not left any town. We have only closed branches in large urban areas. For example, in Limerick we had a branch located at 1-5 O'Connell Street and another branch at 94 O'Connell Street and we amalgamated them into one branch. Other branch closures would have been in similar situations. We have not left any location. We have undertaken branch amalgamations rather than closures.