When we consider rurality and the increasing number of closures of bank branches, the issue of bank accounts will have to be addressed in both the short and the long term.If we want to promote access to learning, we must ensure that that learning is provided throughout the country and is accessible to anybody who wants it. We cannot say that a person who lives near a big city will have access but that a person who lives near Fort William will have access to one college and one college only.