I agree with you. It's maybe transportation, where it used to take you five minutes to access a bank or a credit union, and now it takes you 10 to 20 minutes. I agree that banking has changed over the last 20 years so much. I remember a bank being a nine to five operation. Today they meet consumer demand.
I completely agree with you about that, but just the travelling time for some rural communities has changed, and that's where we're getting some heat.