Thank you very much for that answer. Last month, Barclays bank announced that it was closing branches across the region, including Welshpool, Newtown and Lampeter. This has become a very common pattern over recent years. Indeed, there are about 40 per cent fewer branches that now exist in the region I represent than there were nine years ago. The impact of this is very great on our rural communities, including the elderly people, small businesses and organisations and farmers in the area. The situation is now so critical that several market towns in the region, among them Llanidloes, Tregaron and Llandovery, have now gained the status of 'no-bank towns'. And online banking, of course, is difficult because there is a lack of reliable broadband. You've noted your intention to establish a community bank for Wales; could I ask you: are the rural communities of Wales going to have fair play in these new plans?