I'll start, Rob, and then you can join in.
As I mentioned, what happens in a bank branch now looks a lot different from what it would have 20 or 30 years ago. What have banks done? In many cases they've reconfigured the branch to recognize that you're getting less traffic necessarily going to the front desk, and adding more kiosks so they can provide one-on-one financial advice. In some cases the footprint of the branch is changed and made more compact to reflect traffic. The branch is still there, it's just smaller than it was.
There has been more integration of the front-line electronics, so you have the option to go in there and use the ATM right in front of you in order to deal with those one-off, relatively straightforward transactions. What they've done is they have tried to align the footprint with where it provides value for customers, recognizing that a lot of the transactional relationships are being done through electronic mechanisms.