Llywydd, I thank Jack Sargeant for that. When he quotes the figure of 200 banks having closed in Wales in recent times, that illustrates the point he made about the way in which this touches almost every constituency and every Member here in the Chamber. That is why we are committed to doing everything possible to support and test the feasibility of creating a community bank for Wales. And the Welsh Government is actively involved with a number of stakeholders in this area. We're taking expert advice through those organisations that have already began this journey. There are challenges, as I explained in my correspondence with the Member. You have to have regulatory approval, through some quite complex machinery, and we will need help with that, and you need to secure the support of local populations in order that a community bank will have customers and people who are willing to deposit with them. In that regard, it's been very good to see Banc Cambria establish itself here in Wales. It held a special general meeting on 28 June in Llandrindod. I understand it was well attended and successful, and, working with community-based organisations, as part of our efforts to create the bank, will, we believe, be part of the recipe that will make it successful.