Mr. Tom O'Callaghan:

I am glad the Deputy mentioned the green hub, which is just one example of a newer product. However, one cannot apply for a green hub loan or pay it back through one's local post office, which raises the question as to where the income for the postmaster is generated. Joined-up thinking is needed. All of our offices are interlinked. We have the best of technology and IT that is second to none. Why can we not be as large as Argos and be able to deliver to rural villages and other communities and open up the landscape to products? That has to be embraced because if things remain stagnant, there will be massive closures. I genuinely believe such closures are unnecessary if we tap into the potential of the existing network.