The hon. Gentleman referred to the lack of bank branches. Can he deal with the point on which the Secretary of State refused to give way to me? Why are the Government so hell-bent on implementing a costly programme to transfer pension payments to banks, which are reducing the number of branches in the hon. Gentleman's constituency and mine, when the junior Minister wrote to hon. Members today to extol the virtues of the Horizon programme? It has been rolled out in every sub-post office, which could deal with precisely the sort of transaction that the hon. Gentleman's constituents and mine want handled locally.