I thank my hon. Friend for giving way so early in his speech, and I am delighted that he has secured the debate. He mentioned the anger, and I want to emphasise that the anger in my constituency has been exponentially increased. When Santander closed its Linlithgow branch last year, it encouraged customers to move to Bathgate—the very branch it is closing this year. That is farcical, and a true betrayal of elderly pensioners, who are less likely to use online banking.