My hon. Friend makes my point far better than I could. She is absolutely right. The town of Sturminster has lost two banks in the past year and will lose its third bank at the end of this year. Private and business customers are told that internet banking is available. That is fine, so long as the speeds and the service are reliable enough to allow them to remember why they logged on and which financial transaction they wanted to undertake. That situation is not unique to my part of the world.