I am sorry that the hon. Lady is the second Scottish parliamentarian to raise a bank branch closure in their constituency during business questions, and I agree that bank closures are difficult for our constituents. She will be aware of the access to banking arrangements, under which banks must consult and demonstrate that there is no commercial value to be had from a bank branch, and that alternative arrangements are in place to suit the needs of the local community. In many cases those arrangements are provided by local post offices. The Government have invested £2.3 billion in the post office network since 2010, meaning that post offices are open for an extra 200,000 hours a week, with more than 4,000 opening on Sunday. Nevertheless, the hon. Lady makes an important point, and I encourage her to seek an Adjournment debate on the issue.