Mr. Oliver Gilvarry:

We did a regulatory impact assessment as well. We looked at this as part of the banking review in 2022. We looked at the existing framework of what was there. The review concluded that the level of access we currently have is sufficient. A number of surveys were also done by the ECB and they concluded that the current level of access to cash is high or fairly high. That is basically where we are looking at it in both urban and rural areas. Excluding the exit of KBC and Ulster Bank, where we are currently, our intention with this legislation is that we are managing it going forward as things change so that whether branches close or other access points are not available we have a framework, which we do not currently have, for changes in our system because so much of the ATM sector, about two thirds, is operated by private operators.