That is a very important issue, as I know from my own constituency. In June 2009, the Department for Work and Pensions, which is the lead Department for financial inclusion, and the Commission for Rural Communities jointly published a report on financial inclusion in rural areas, "Rural Money Matters", which found that rural areas did not appear to fare worse than urban areas, although it suggested that analysis on a smaller scale would be likely to identify smaller pockets of significant hardship. I am certainly concerned to keep an eye on that.