We have found with branch closures that there has been a decline over the last three years. We had reached a peak about three years ago, in terms of the number of closures that were occurring, partly with respect to mergers that happened between TD and Canada Trust.
We found that the regulation brought forward dealt with making advance disclosure to communities, advising them that the closure is occurring, and therefore allowing them the ability to react with respect to that closure.
What we always find at the branch closure meetings we attend is the expectation of the community that they can reverse the decision. Generally, the bank's position in these meetings is that the decision has been made, so the consultation isn't necessarily about the closing; it's about how the closing will progress.
To go any further, we get into government policy, and I wouldn't venture into that area.