I congratulate the hon. Gentleman and his Committee on this report, which I fully endorse. Moray has had no branch closures in this round of cuts, but we have suffered a reduction in mobile banking provision, particularly in Lossiemouth, which has lost one of its visits each week to allow the mobile bank to provide a service to other areas that have lost their branches. I notice that it was referenced in paragraph 75 of the report that the quality and availability of mobile banking was a concern. What more can we do to encourage RBS to improve its mobile banking service, given that it is currently letting people down in Lossiemouth and in other areas of Moray?