Paul Davies does raise a very important issue, and indeed, as you have said, these closures, which are commercial decisions made by banks, do have a very negative impact on the communities that we serve. I understand that the three Lloyds Bank closures that you’re referring to in your constituency in Pembrokeshire are not due to take place until next spring, so I’m sure that you are engaging, as others will be, in opportunities to raise your concerns with the bank. Also, there will be opportunities to raise questions with Cabinet Secretaries on the issue. Of course, this is something, again, where we look at the impact not just in rural areas like Preseli Pembrokeshire, but also across Wales and in more urban communities, which are also now losing those vital services like the banks.