Mr. John Hogan:

Given AIB is one of the banks we control, I will ask Mr. Carville to speak about it. The whole issue of access to cash is interesting. The Cathaoirleach will recall that approximately a year ago, we published a review of the retail banking system. When we started that work, the access to cash issue was not as prominent as we might have expected. Over the course of the review and the public consultation we held in Tullamore in the Cathaoirleach's constituency, it was an issue that came to the fore, as was the issue of financial literacy. On those two issues, we are now moving to introduce particular legislation to deal with the access to cash piece. A lot of work is going on in the Department at the moment.