Mr. Liam Sheehan:

We are in regular conversation with financial institutions. Our current dealings with the bank have been very positive for both customers and the bank in question. We offer it a variable cost model as opposed to a fixed cost model. As I mentioned earlier, we made a number of proposals to the Department of the Environment, Community and Local Government, particularly regarding motor tax, as it is a real opportunity to save money, which is important. Equally important is the chance to offer an enhanced service to the community, as people could go to a local post office rather than travelling 80 or 90 miles to get a tax disc. We engage with those parties on an ongoing basis. Some banks have a strategy of moving to an outsourced model and some do not. We intend to work with such businesses where strategies align.