We get more and more notices of branch closures as time goes by, and in January 2016, we issued a new guidance tool to the banks on how to hold community consultations with the public and their customers to ensure that the customers are very well aware of the branch closures. When those guidelines are not followed, the public can make a request for us to direct the bank to hold a meeting with the community. We're happy to say that the guidance document has had a very positive impact in the sense that the banks comply very well with the guidance and that we have seen the banks consult with the community.
Obviously, we are not in a position to tell the bank not to close the branch, but we are confident that the appropriate consultations are taking place within each community.