I’m sure it would be easier if we had our own regulatory rules in order to establish such a bank, but we as a party have supported having a community bank for many years, and I look forward to having an account in our community bank here in Wales. And, of course, this is a response now to the fact that high-street banks have left our communities in the numbers that we have seen over the past few years. Would you agree with me that the fact that we have failed to regulate and failed to put conditions on those banks has left us in this position where we have seen that exodus of financial services from our high streets in the way that we have seen over the past few years?