Jack Sargeant has raised an important question regarding banks, First Minister, and we know that there have been a spate of closures across Wales, which have caused concern for local people. In my own area, the town of Usk lost all its banks in quick succession and then the post office—the only financial service that was left—was also under threat. That's been saved through joint action taken by the council and other groups to move it into the local community hub. I imagine that is happening elsewhere. If not, it's possibly good practice that can be used in other towns across Wales to make sure that, when towns do lose their banks and the post office is under threat, there is still access to all-important financial services for vulnerable people who need them.