You've put your finger on it. As you said in the last statement, there's the financial viability. The rent of the location is but one factor that goes into financial viability. You have to look at the size of the market. You have to look at foot traffic. You have to look at economic circumstances. Ultimately, the business decision to close a branch is not one that anybody takes lightly. Ultimately, these are customers you want and these are your clients, and you are part of the community. There is a robust process that banks go through to ensure that there is community involvement and they have a consultation and talk about alternatives.
But at the end of the day, you're correct, in that it has to be driven by viability and a number of factors go into assessing viability.