Mr. Eamonn Crowley:

I thank the Senator for her question. I will say a few words and then pass over to Mr. Farrell. There is no doubt we must all accept the world is changing with regard to all retail operations and we are a retail operation at heart, be that in a shopping area or indeed in the banking area. Part of our commitment to ensuring each branch is sustainable and will continue to exist is how we think about the services in those branches and how we think about changing them. In order to give the Senator more detail about our approach and where our thoughts are on that I will hand over to Mr. Farrell, if that is okay.