Thank you for that response. We know, of course, that the Federation of Small Businesses report in October demonstrated the clear impact that it has on small businesses—for example, businesses having to close earlier and losing business because they have to travel further to bank their money. The British Bankers Association has also clearly demonstrated that loans to companies in areas where banks have closed fall substantially. You referred to the report in your response, so can you expand upon what you as a Government are going to do, and what discussions have you hade with the banks in order to look at alternative models of retaining services in some of these towns that have lost their branches?