 Dave Clark from the Campaign Group Positive Money. David, welcome to the programme. What are you campaigned for, first of all? So we're campaigning for people to continue to have a free choice about how they access their money. At the moment over 2 million people rely exclusively on cash for their day-to-day shopping. We've de-readed a poll that found that 77% of people for you having access to a free cash machine is essential to their lives. So it's really important that we continue to provide this choice to people. And the real really worrying news today is that for many communities, access to cash is becoming a thing of the past. 250 of these machines going every week. Why are they going? So it's about the way that ATMs are funded. When you go and withdraw money from a cash machine, your bank pays a small fee to the company that operates the machine. Link, which is the scheme that connects most of the ATMs, has come under pressure from banks to reduce the fee that they have to pay. And that's led to banks making less of a contribution to the overall network and the rapid pace of closures that we're seeing today. What should people do if they hear the cash machine in their neighbourhood is about to go? Is it anything they can do? We really want the payment systems regulated to step in and stop these closures. The PSR's approach so far has been to wait and see whether communities will be affected by the changes. We've waited and now we're seeing that machines are closing at a record pace. If your experience is that cash machines are closing in your local area, get in touch with the PSR and let them know that you're unhappy about that. Just to remind us again, what is the PSR? The Payment Systems Regulator. Okay, so you contact the Payment Systems Regulator and you say, I'm not happy. From the work you do, what effect are these closures having on the day-to-day lives, particularly of the 2 million people who rely solely on cash? People have a lot of very legitimate reasons for wanting to use cash. People find it useful for budgeting, as your caller said before, it gives them control over their money. Also, there's people with particular circumstances like those with mental health conditions that find that having access to cash is really vital during a period of mental health crisis. People have these complex reasons, but they're all rational about why their preference is to manage their money in cash. If that opportunity is taken away from them, then it really is detrimental to their ability to manage their own money.