Mr. Oliver Gilvarry:

We do not have our data based on the one-mile or three-mile criteria that is being used in the UK, but we can look at this. A couple of different options were looked at, but we felt the criteria of 10 km and a local area deficiency clause were the appropriate way to go on this when we looked at the level of coverage currently and what would bring those percentage levels up. Therefore, there is a difference. Another aspect Ireland faces, compared to the UK, is that the level of the concentration of the population is different. This is again why we fell to the coverage level of 10 km for ATMs and 100,000 people of the population, in conjunction with the local area deficiency. There are powers that would be given to the Central Bank for areas with gaps. A person may meet the criteria but for whatever reason there is a gap, be that for geographical reasons or other. This allows for a 10 km criterion by giving cover, which was a more appropriate way when we looked at this in the legislation.