Dr. Colin Hunt:

I can only be held responsible for the actions that the bank takes while I am in a leadership position. I made a commitment at the time of our interim results. I reiterated that commitment today. I strongly believe that AIB will continue to offer services through a mix of channels, in an omni-channel way rather than an opti-channel way, as they say. This will be through branches, telephone and digital. We will engage with our customers in an omni-channel way and I do not envisage a situation where that will change. As time passes, we will see an increasing shift towards digital. That will happen-----