Mr. Rory Fitzgerald:

I suppose we have an unusual set-up. We have 13 branches and they are all separate companies limited by guarantee. They all run their own operation within and fundraise in their own locality. We are grateful to the stability fund. We received in excess of €100,000 between a number of branches; that was not for one branch.

We coped okay because we have a reserves policy in each branch of 18 months. That would take a branch through a period. People were good. There was fundraising done online on Facebook and things like that.

I see a challenge going forward in that the days of collecting money on the street, I would have predicted a couple of years ago, were numbered and that maybe five years would see the end of that, but Covid has sped that up in that coinage is disappearing. Many of our branches could depend on church gate collections or street collections for 20% of their income. We have a big challenge around how we will manage that and new technology.