There is a mix of the two, but our members ultimately decide.
With a 98% increase in services on the Internet or on technology platforms like AccèsD, the use of our physical services is in free-fall. So the members decide how they will use our services.
Of course, there are other solutions. For example, you referred to some banks that have mobile branches. We are studying that option and other similar prototypes.
It is now a matter of seeing how we are going to evolve with the public, and their needs and demands, in order to respond to them in the best way possible. We are presently seeing a major increase in anything to do with electronic services.
Last August, for the first time at Desjardins, there were more transactions by smart phone than by all our other methods combined. That gives you a bit of an idea of the trends.