The hon. Gentleman is absolutely right. I note the amount of questions that have been asked about the reprieved branches and the real interest in that as an example of what can be done. RBS owes it to the House to demonstrate that it is looking at the matter responsibly and not just setting up those branches to fail. They should be given every opportunity to demonstrate their effectiveness and their ability to pick up footfall and customers. If RBS is listening to this statement—I am sure that it is—I hope that it will have heard the real concerns of Members right across the House about the 10 reprieved branches and that it will do everything possible to assist them to meet whatever criteria will be set for keeping them open. The important thing is that we get an independent reviewer in place and that we can assess those criteria.