If I draw on the experience of credit union services, I can point to the change in our infrastructure as a credit union system.
In the past 15 years, say, the number of credit unions across Canada has declined from something like 1,000 or 900 down to 300. At the same time, they have continued to grow in terms of membership, as well as in terms of business volume, deposits, loans, and these types of things. The financial services activity is growing, but the number of credit unions and the physical infrastructure are changing.
Underneath those 300 credit unions, there are many branches and locations involved, but there are also the innovations in technology that people often forget about—mobile banking, the smart phone applications, and all these different ways of providing services through the innovations of technology. The physical infrastructure that has been built in the past is now changing because of disruptive technology in how we can provide the services.