Yes, and some of our credit unions, usually in very remote areas, have moved to some shorter-hour models to make them viable.
Of course, these decisions have to be made at the credit union level. It has to do with their business model and what's going on in their other branches.
Also, whenever we move to look at a branch and its viability, there is eventually going to be a membership meeting to talk about it. We always have to keep in mind, too, that it's what our members want in the end.