| Good morning Voornaam It really feels like the temperature has dropped slightly, and the mornings are certainly getting darker, rather than brighter, so let's embrace it. Spooky season, crisp leaves and long walks are upon us, all of which bring their own specific joy. So grab a hot drink, wrap yourself in a cosy blanket, and lets take a look at the news - as well as ending with another Scottish trivia, so stick with us. First up, dozens of local bank branches are facing closure over the next 18 months, forcing Scots to think again about how to access financial services locally. Check if your local branch is affected here. | 
