Mr. Oliver Gilvarry:

It is 900 odd. About 25% of the ATMs are basically accessible at all hours but we also then have the provision of the local area deficiency where one of the criteria there is hours of access. I used the example earlier of where there is a geographical area with a radius of 30 km and all the ATMs there only operate from 9 a.m. to 5 p.m. If they meet the criteria but they operate in a shop that only opens between 9 a.m. and 5 p.m. within an area, that could then be examined as a local area deficiency. The reality is that people do not have access to cash because the ATM is in a shop with restricted hours.