Thank you for that response. Of course, it is non-devolved, but the Welsh Government in the past has had a number of programmes to support post offices. A recent change in the way that the Post Office pays branches from what they call the 'core tier' payment to a per-transaction payment is having an impact on some post offices, particularly in rural areas. Yes, there are new possibilities from time to time in terms of banking, but, broadly speaking, these are fundamental payments for customers to pay for electricity and gas, for example. There is a small charge for doing that, but it's not even enough to cover the cost of paying staff and maintaining desk services and so on.

Over the next week, I will be visiting Y Ffôr near Pwllheli, where there is a post office facing this particular difficulty. Are you having any discussions with the Post Office in terms of changes to these payments? And are you in a position to look at what further could be done to ensure that we don't lose this important resource? As you say, we are already losing our banks, and this is something that we need to retain, particularly in our villages and small towns.