Thanks for giving way. You can tell I haven’t got my name in for this debate, so I’ve got to do it this way. I totally agree with your last point that this doesn’t mean going back to the old model of having a local branch everywhere, but do you agree with me—I assume you do agree—that the new bank, whatever form it takes, does need to have a strong local presence, whether that’s virtual, internet or whatever form it may be? It’s important that people know where it is, and that it’s not in some—I was going to say ‘smoky’, but that’s wrong expression, now, isn’t it—some dark corridor somewhere.