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On the last point, as I said a few moments ago, it is important that we do not end up with areas without postal provision because somebody wanted to go. Indeed, the whole point of having national access criteria is to make sure that there is a network, and that branches are within a reasonable distance of where people live. On the card account, I am grateful for what my hon. Friend said because I know that this is one of the things about which the federation and many of those who signed the petition were very concerned.