Mr. Gavin Kelly:

For that reason, the trends that we looked at went back to 2017. We did not just look at what happened during the pandemic. We looked at the trends we had seen in branches from 2017 through to then. That tipping point was reached at that time. As I said, we had not changed our network of branches in the previous ten years. The decision was not reached lightly. We looked at what we believed was the right-sized network. For me, 169 branches providing cash services across the island of Ireland, supported by 900 post office locations specifically for cash services, is the right service for our customers.