No, we're not mandated to keep track of the openings. I think, going forward, that would be a good question to the institutions, because then you can map where there are some severe impacts in central areas of Winnipeg and cross-compare that to where there may be new outlets.
I think it has levelled off in the last year or two. I don't want to jump to wild conclusions, but if you're a market watcher in terms of retail, there are a couple of things.
I'm not sure they have found--and again, I'm just giving you questions that you may want to ask them when they're before you, Mr. Chairman--that the big-box solutions they've been putting into the major cities are working out in the way they thought they would. In other words, do people actually use them?
Secondly, are they discovering that a kind of home-grown, local entry point is good for business? Some community banks in America are moving back into neighbourhoods they abandoned. It'd be interesting to ask them why.