With regard to branch closures, they're always happening in consultation with the community. It's definitely not an easy decision. Part of that consultation in determining whether to have a physical location involves consultation with all of the impacted customers. There are alternative ways to deliver products and services, whether it's online, mobile, or having mobile financial planners or mortgage advisers who can be made available to customers.
Again, I keep going back to the first principle: that banks don't want to lose customers. They're waging a war for customers, so these decisions are made with a lot of thought and consideration. Obviously part of that is how to retain customers and ensure that they continue to be serviced, regardless of the manner in which they're serviced.