I am grateful to the hon. Gentleman for his diligent recollection of section 75 of the report. We had an extended conversation with RBS about the availability of its mobile banking system. Our constituents are already beginning to detect real issues because the mobile banks are now expected to serve areas impacted by branch closures. RBS was determined to assure us that effective and efficient timetables would be drawn up, but the evidence thus far is that it has not been able to produce them. Again, as part of our rolling brief to keep this under review, we will keep a clear eye on what is happening. Mobile banks provide a real point of contact where customers can access banking services, and they are an important feature of the new delivery of services.