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I don't that's the case mate, it comes from the top, look at the Natwest in the village that closed it was nearly always busy and sometimes the queue was out the door, yet they still closed the last bank we had despite the petition against the closure and there used to 4 banks before possibly moreWonder whether these unhelpful bank staff will one day look back when they're unemployed and say to themselves - maybe if I hadn't of treated customers so poorly and handballed the task the customer asked to the internet, maybe I might of had a job today...