Thank you. What we're doing in Wales with the community bank is a novel policy approach that's not been successful anywhere else. Banking hubs are piloting what they might do, and the Member is right to highlight them as part of the answer for the future. So, we're expecting there to be a pilot report on shared banking hubs imminently, and my understanding is that there are two banking hub pilots, one in Lanarkshire and one in Essex, and there's also a community access to cash pilot being taken forward in Hay-on-Wye. So, we will look with real interest at those three different pilots to understand what that might tell us, either about our community bank proposal, or if there are alternative ways of trying to deliver financial inclusion services for communities across Wales. I'm sorry hear that Barclays are proposing to move out of Aberdare. The Member highlights very neatly the exact challenge we're trying to address, and I'd be more than happy to keep her and others updated on what we can do with the current retail banking sector and the possibilities of banking hubs helping to fill some of the gaps they're leaving behind.