One of the things we've seen in the face of the rural moratorium on closing rural post offices across the country is that the time during which certain rural post offices are open has severely contracted from 40 hours a week down to 25 hours a week, down to 13 or 15 hours a week in some places. Is that something the banks have explored, or does it reach a point at which with minimal hours of operation it's just as well to close the operation's location?
What other types of factors do you consider, maybe the possibility of a temporary or a roving site, as some of the credit unions have talked about?