The hon. Lady makes a powerful point about the things that people need to do in a bank branch. I recently met Bank of Scotland representatives in my constituency and they spoke at great length about how wonderful the banking protocol was and how they had used it to stop transactions by vulnerable customers who had been sent along there by rogue salesmen or whoever to lift money out of the bank. They were able to spot that because they knew the customers; they had a relationship with them. Shortly thereafter, the Bank of Scotland announced that it was closing a branch nearby. How can the provisions of the banking protocol possibly be being met if everything is done online?