The hon. Gentleman makes a good point about the insensitivity of the one-size-fits-all letter that everyone was sent. We are losing two branches in my seat—not only in Acton High Street, which recently lost NatWest and HSBC, but in west Ealing, where we have lost Halifax and Lloyds. Our streets are being turned into ghost towns. The recommendation in Acton was to go to the post office. That has closed too. Where are people meant to go?