Ms Francesca McDonagh:

I thank the Chairman for his questions. I will ask Mr. Kelly, who has been leading the post office negotiations, to talk about that interaction and to respond on the more in-depth local knowledge about which the Chairman inquired. I will respond to the questions on our engagements with Ulster Bank, on repossessions and remuneration at Davy. Either one of us can respond on the tracker question but I will hand over to Mr. Kelly now.