Dr. Colin Hunt:

Before I hand this query to Mr. Kinsella, it is worth bearing in mind that approximately half of our customers do not pay any fees. If a customer is over 66 years of age, is a senior citizen or student, has one of our basic banking products or has a mortgage with AIB, he or she does not pay any fees. We are currently promoting the use of contactless payment. It makes good sense from the perspectives of the bank and the retailer. That is why we currently apply a fee of zero. I will hand over to Mr. Kinsella.