Mr. Ciarán Coyle:

Specifically on that point, beyond the physical branch, we have been investing more time and money in outreach, especially in rural areas. The Senator will recognise areas such as Glenamoy where we never had a presence historically. We have community bankers going into those areas, in local community centres, meeting elderly people or, indeed, anybody, to help to do a couple of things with them. It is to try to help them with financial education, to bring them up to speed with how things are changing and how we can help them. Critically, we help them to protect themselves against fraud and scams, which are a growing issue. People have a view that frauds and scams are a digital concept. They are not. They take all forms. We are putting our community bankers in the communities, especially focused on rural areas. We have held 70 events so far this year, across those parts of the country, helping people with that.