Mr. Oliver Gilvarry:

Part of the issue relates to the fact that there are now many IADs, independent ATM deployers. These systems or ATMs have been sold on and what we are doing here is designating the entities, that is, the three commercial banks. Looking five or ten years down the road and as we see declines, we do not want to see more IADs pulling out as a result of the decline in the use of cash. If a greater burden is placed on industry, that will ultimately be passed back onto the consumer. It is about achieving that balancing act. The issue we are addressing is not what we are facing today but, rather, the situation we envisage five or ten years from now. The usage of cash is declining. We can see that trend. In ten or 15 years, will we use as much cash as we do today? Going by the past trends, it is more than likely that we will not.