That’s a fair point, and it’s all important. If the banks can’t do it, then, in my view, they are duty-bound to ensure that there are alternative ways of delivering the financial services via the Post Office, and also, of course, as a Government we’ve been supporting the credit unions to ensure that they can fill the gap that the commercial banks are leaving, as I said earlier. By so doing, I think it will be possible to ensure that people receive the service that they should receive.