Two very important points indeed. In terms of the banks, it is something, as she's already acknowledged, that we've discussed frequently in the Assembly, and it is very disappointing that, despite affected communities and political representatives challenging the decisions—across the Chamber, actually; I think it's something we've all expressed concern about—the banks do continue to press ahead with their closure programme. And there's no doubt at all that many citizens, older citizens in particular, are not comfortable with online banking, and also small businesses in rural areas have a need for cash and there's a big problem about how long they travel and where they might get the cash from, and there's also a problem with the ATMs starting to close down as well, as people move to cashless systems. 

Ideally, we would like to see businesses and individuals across Wales having access to the banking facilities they want, and, where possible, mitigate the loss of any branch and cashpoint facility in Wales closing. But, unfortunately, we have some limited powers in this regard. However, we have been in discussion on the role of the post office in addressing banking needs. We recognise there are issues around that, and we've been working with them to discuss them, around the capacity, privacy, disability access and so on at the post office, but that's very much an ongoing part of the discussion about whether they can substitute for some bank branch services. And the other thing is that we're investigating the possibility of establishing a community banking model for Wales. We're in early dialogue with a range of stakeholders, promoting the idea of a community mutual bank for Wales, and that would be able to offer support appropriate to the level of development around Wales. I'll keep the Member informed as the proposals for that develop. 

In terms of Lyme disease, in Wales, as well as everywhere else in the UK, cases of laboratory-confirmed Lyme disease have been increasing in recent years. This is partly as a result of better reporting, increased testing and increased awareness by the public and healthcare professionals. The Member will be pleased to know that we've recently communicated a comprehensive guidance on Lyme disease to healthcare professionals across Wales, and the NHS has developed appropriate public awareness materials. And I'm very pleased to say that that's an ongoing programme of public awareness and medical awareness across the piece.