Mr. Eddie Cullen:

Farmers tend to use cheques more than cash. By the same token, we note our farmer customers have been rapid and early adopters to technology. In many ways, they have taken up digital and Internet platforms more quickly than other parts of the community. That probably reflects the fact that farmers are mobile and out and about using mobile technology. It has been a far more convenient way for them to transact business. This is a challenge all banks face. We are committed to maintain the physical infrastructure to allow customers bring in cheques or deal in cash while moving to new technology platforms as well.

I do not have anything to add to Mr. Cunningham's comments on the Europe Investment Bank. We are in discussions with the Strategic Banking Corporation of Ireland and the European Investment Bank and we await announcements on that front in the coming months.