Mr. Seamus Maye:

Yes, we do. There is a possibility from what we are reading that the pillar banks, AIB or Bank of Ireland, could operate services through the post office banks like what Bank of Ireland does in the UK . That would ensure that interest rates stay high. It would actually remove the post offices as being a potential competitor from the market and the post offices would be tied up by the pillar banks, which would ensure that we continue with high interest rates.