Mr. John Palmer:

No. The initial point is that the initial criteria are, in fact, designed to ensure the level of cash infrastructure that prevailed at the end of December 2022, taking account of the exits of KBC and Ulster Bank, will be preserved. There will then be a review mechanism as things change. Where the designated entities come into this is if the criteria are being breached. In this case, it will be their responsibility to solve the problem directly or indirectly, potentially working through IADs or on a procurement basis.