I am well aware of the concern of many Members when there are bank branch closures in their constituencies; it is an issue for many people. The hon. Gentleman will also appreciate that banks are commercial businesses and the way that people are choosing to manage their financial affairs is changing. One step that the Government have taken is the access to banking protocol, which banks will consult broadly to ensure that they are not leaving people literally in the lurch. The work that the Government have done on investing in the post office network has been really important, resulting in 99.7% of the UK population now living within three miles of a post office branch.