And 12% are term. Okay.
Finally, you indicated in your presentation that the goal is to have client service available within 50 kilometres of home. In many rural areas that's an issue, because--and I can't speak for Ms. Hughes, but I know it would be difficult for many of her constituents to have access within 50 kilometres. But what about the rural areas that don't have public transportation? In my area there's no public transportation, and sometimes it is a challenge for people more than 50 kilometres away to get access. And they don't all have reliable Internet access either. So what's the plan for them?