The number of transactions being done at ABMs is actually decreasing, and it has for a number of years, even as the number of actual ABMs increases. The reason for that is other channels. The primary one we haven't talked about today is the fact that there is now an alternate way to get cash, and that's through debit. Many Canadians are now realizing that when they make a purchase at a store they can add $100 and take that additional cash. That's a form of ABM. It helps the merchant keep their cash floats down, and it doesn't require any ABM deployment. As a result there are actually fewer transactions going on.
Our customers--and I'm sure those of the rest of the banks--are saying they want to have more branches with more access, 24/7 and 365, through Internet, ABM, and telephone. They want us to keep investing, which is why all of us continue to make massive investments in those channels.