Mr. Oliver Gilvarry:

Again, it comes back into the point of local area deficiency. One of the criteria will be hours of operation. If there are two ATMs in shops within a 40 km radius and the shops only operate from 9 a.m. until 5 p.m., 6 p.m. or 8 p.m., that is where the local area deficiency becomes important. The criteria have been met but it is not possible to access cash after 6 p.m. in a 40 km radius. A person may have to make a 40 km round trip to get access to cash that is available 24-7. That is important. It is not a case of everything being fine if people have access to cash from an ATM in a shop that opens from 9 a.m. to 5 p.m. As the Deputy stated, people need access to cash at other times, such as on a Sunday, outside a shop's shorter opening hours or whatever else. That is where that is covered.