A vibrant Scottish economy, whether independent or within the UK, relies on a viable banking network. I will shortly have only one bank branch left in the whole county of Sutherland. Every time I have raised this, the Treasury has given me comforting words about 99% of the population having access to a local post office. Many of my constituents live 20, 30 or 40 miles, or even further, from the nearest post office or bank branch. Surely now it is time to take action on this serious issue, which fundamentally undermines the economy not only of Scotland but of the UK.