Notice that in the indirect question I put the verb ('is') after the subject ('the bank'), in
the same way as I do with a normal positive sentence ('the bank is over there'), but in
the direct question I put the verb 'is' before the subject 'the bank'. This is called
inversion, and it is used to make direct questions in many verb tenses in English, but
we don't use inversion in indirect questions. This is very similar to the grammar of
reported questions. However, we use indirect questions in a different way from
reported questions. Indirect questions are a way of being polite. They are very, very
common in English, especially when you're talking to someone you don't know.