Thank you. We are very concerned, as a Government, at the reduction of banking services right across Wales. We've seen an ever increasing number of bank closures across the country. So, we do continue to use our influence, both with the UK Government and with the banking sector, to ensure that high street banking services are maintained. I don't think it's just the digitally excluded; we all rely on banking services. I think we all need to speak to somebody, don't we, from time to time, but I think you highlighted a specific group that need additional support. We've seen, I think, more banks closing due to the pandemic, where again we've seen cash used less and less, which again has an impact on people who are digitally excluded. And we know that there are increasingly a number of people who are very removed from conventional banking services, and we really don't want to leave anyone behind. We've also seen—I think I mentioned this when I was asked about banking services previously—we've seen a reduction in the number of free-to-use ATMs, while I think we've seen an increase in the ones that charge. So, we are committed to supporting the creation of a community bank for Wales, and, at the current time, we're working with the private sector to develop proposals in line with the regulatory approval process, and I think that would be the most opportune time to have a statement.