I would say that's exactly one of the considerations we all take when planning our network. When we say “network”, it's not necessarily just the network of ABMs that we provide. Some, as you've heard, have larger ABM networks than others. The key decision in retail banking is what areas you decide to invest in, whether it be ABMs or branches, and how long those branches are open.
So the decision to make it no cost for a non-bank customer to use our proprietary network would absolutely have effects on our bank strategy. It could change very much how we compete against each other.