I am sorry to be answering this question again. I remain deeply concerned at the scale of branch closures across Scotland. Those concerns will be shared by communities, vulnerable members of our society and small businesses that rely on access to local banking services, particularly in rural areas such as that represented by Claudia Beamish. I appreciate that banks must operate on a commercial basis. However, Santander and other banks must take into account the needs of all customers. Digital should never be exclusive and the only means by which customers can engage with their banks.