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Bethan Clement sits in. HSBC has announced it will close 114 branches in the UK, including many in Wales. So this morning Bethan is asking do you still have a local branch and do you still use it? Perhaps you have chosen to bank online instead? What does it mean to have a branch in your village? And after 10, increasing pressure on teachers could lead to a 'crisis' in staffing, according to teaching unions. Yesterday, the Welsh Government announced it will lower the GCSE grade that’s needed in Welsh or English and Maths to train to be a teacher from a B to C. There are concerns around recruitment and retention of teachers in the future. What needs to be done to attract more teachers to the profession? How much of a difference can a good teacher make to a young person’s life? Do you have a family member in teaching – what are the biggest challenges they face? Get in touch by calling 03700 100 110. Text 8 10 12. Tweet @bbcradiowales. Email Dot@bbc.co.uk.