The vision for the community bank is one that's got support on all sides of the Chamber, and that in itself is relatively unusual. The challenge, though, I think, is in having not just the vision, but then being able to do something where we're able to provide real-life banking services that people will want and will use, and also that we're able to have a programme of opening the physical branches that matches the actual capability. I think there's a danger that every Member will say, 'I would like to have a community bank branch in my constituency or my region'. I've certainly had representations on my own side from a range of people, from Jack Sargeant, Joyce Watson and a range of others. We want to see the bank be successful, and we want to see those services increase. The reason why we're at this point is exactly the point the Member's articulated: traditional banks have been moving away from a range of communities, both in towns and cities as well as in rural parts of Wales. This is our attempt to make sure we have a viable banking product that will try to fill in some of that gap. I am looking forward to providing a further update, together with the Monmouthshire Building Society, on how that work is practically progressing. But I do take on board the points the Member makes.