The hon. Gentleman is an assiduous member of the Scottish Affairs Committee, and I am grateful for his contribution. He is absolutely right, and he will recall some of the conversations we had with RBS about the reprieved branches and the dissatisfaction expressed by all of us on the Committee that there is no independent reviewer in place. He will recall that, as part of our recommendations, we said that those branches should be reprieved for a further six-month period until such a reviewer is in place. Also, we have to know the criteria by which those branches are being assessed. What we have secured from RBS at this stage is clearly insufficient to ensure that a proper assessment will be made.