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It turned out that the agency in London that had mapped the locations of bank branches had used a map that had Shetland in the Moray Firth, which totally threw the model.
That means that other options, including use of overtime and bank staff, will have been exhausted and that the only way to provide cover is through use of agency staff.
I stress that that was not a definitive list but an account of progress to date. I am aware that time is tight, so I will make just one more observation.
We are about to publish a report on the projections from that, from 2010 to 2022. It is useful that the second report does not look only at taxation and social security; it adds in the impact relating to public services.
It is also important that the framework is part of the review of the fiscal framework that is due to take place by 2022. By then, we will have a bit more experience of how it is working.
The sad reality is that if the Scottish economy grows at its current rate, we will be nearly £17 billion worse off by 2022 than if we had matched growth rates across the rest of the UK.