It is a pleasure to serve on the Scottish Affairs Committee with the Chair and Douglas Ross. I too have had a number of bank branch closures in my constituency. What came through very strongly when we were hearing about the Post Office is that the banks often offload their responsibilities on to post offices, but we are seeing closures of them across our constituencies as well. I have certainly seen that in North East Fife. Although I welcome the hubs, does the Chair agree with me that there is a risk that banks’ overreliance on the Post Office to deliver access-to-cash services prevents it from delivering the wider services that it provides to our communities?