Mr. Oliver Gilvarry:

We looked at several different scenarios and the level of coverage. We were trying to balance off, however. Ultimately, a cost is being imposed on industry. In the case of the designated entities, which are the three banks, it is important to have that balance. We are trying to find a balance between the current level of commercially viable coverage that is being provided and then managing that going forward. We looked at the different scenarios and balancing off that there is a greater number, which may mean more ATMs, but there is a greater cost to that which ultimately is passed back to the consumer.