Dr. Colin Hunt:

Typically, the customers who choose to come into a branch like to see a welcoming smile. We try to provide it all the way around the country. We are not talking about any diminution in the quality of the service we provide throughout the branch network. We are trying to engage with our customers in the way they choose. Some may never have to enter a branch. They include mortgage customers who can engage with us entirely digitally. We are rolling out a product which is positively regarded and has been well received. It allows a person to apply for a mortgage using digital technology. I am very conscious, however, that we need to offer a wide variety of service points: digital, mobile and branch.