Banking in the UK is heavily concentrated. It's not as competitive as it is in the United States. If you are de-banked, it can be very hard to get service from anybody else. I've introduced an amendment to a Bill Gang through Parliament to ensure that banks cannot take away banking facilities for people because they disagree with them. But banking is such a heavily regulated industry that it's not like providing ordinary services. We have the overlap here of the government and various industries.