Ms Debbie Byrne:

Often, there is a choice of perhaps more than one office. In some instances, we split the business across two or three offices where there is a density of offices. It is very much done on a case-by-case basis to make sure that the needs of the customers are served and that the transferring office, if one likes, is happy to take the business and the premises is suitable.

That is very important to us as well.