I am grateful to my neighbour for making that point. I note that that branch in his constituency has secured a reprieve, along with the branch in Comrie, which is just down the road from my constituency. He is right to suggest that this is a critical test for RBS. This is one of the concessions that we were able to extract from the bank, and we welcomed its announcement of the reprieves, but it must demonstrate that these branches are not simply being set up to fail. We need to ensure that, when it talks about an increase in transactions and business, it is able to assess that properly. The Committee will have an ongoing monitoring role to ensure that this situation is properly monitored, and we will report back to the House in due course.