Mr. John O'Connell:

Yes, but the number of people who require face-to-face banking is quite extensive. Some people with very simple banking needs will be able to do their banking online - there is no question about that - but if customers have overdrafts or issues with credit cards, that requires engagement and getting a time slot in order to go in to make a case or a presentation as to what their requirements are and to get that dealt with.

It takes resources and time to do this properly. We are confident that those two ingredients are available such that we can have a successful exit for the two banks. However, if they are not available — this is Deputy Jim O'Callaghan's point — people who are least capable of being in that position will find themselves in distress. Who wants to be a part of that?