I congratulate my neighbour, Pete Wishart, on this report. I also welcome the extension of the life of the Alloa branch in my constituency, which was announced earlier this morning. Will he join me and other colleagues across the House in seeking further clarification on the criteria for these branch closures? When other Members and I met RBS representatives earlier this week, there seemed to be no differentiation between the criteria being applied to urban branches and those applied to rural ones. That is a major concern for north and south Perthshire.