I'm grateful to you for taking the intervention. It's accepted from across the Chamber that we all celebrate small business this Saturday, but sadly, today in the news—just reading it now—HSBC have confirmed 114 bank closures. If I think of my own local town of Cowbridge, one of the branches is there. There will not be a single high-street branch on the high street now, there won't be. Have you a view on that announcement, and in particular, what the Welsh Government might be able to do to obviously try and encourage banking opportunities for as many small businesses to access and replace the loss of service?