Then, having looked at that, I come back to the fact that at the end of the day, while banks have a large footprint across the country, every branch still has to be financially viable. Are there instances where a community cannot be served by a full service branch? Absolutely. This happens. Where that happens, do banks try to find alternatives to the extent that they can? Yes, but alternatives don't always present themselves.
Certainly, when a branch closes, there is a well laid out process that a bank has to go through. There's a notice requirement with a certain amount of time involved, depending on proximity to another branch. There's a consultation requirement, whereby the institution has a consultation with the community. There's a discussion involved about what the bank might be able to do in the alternative, but can every community be served by an in-person presence? There will be instances where it can't happen, so the alternative—