I, too, would like to extend my thanks to my hon. Friend and to the Scottish Affairs Committee for this excellent report. Does he agree that the report absolutely lays bare the fact that RBS has ridden roughshod over our communities and that the lack of consultation by RBS throughout this entire process is clear? The access to banking standard requires banks to make an assessment of the impact of branch closures, but that is simply not possible if banks such as RBS do not consult their customers directly before making decisions on closures. Does he further agree that, with the UK Government now selling RBS shares below market value and with RBS paying £16 million in bonuses last year and recently announcing record profits of £752 million, the sense of anger and betrayal felt by my constituents in Kilwinning, Kilbirnie and Saltcoats is completely justifiable?