You can imagine, Mr. Arthur, how delicately I have to respond to this question.
All the member banks--and that includes President's Choice Bank and ING, which work virtually--have their specific business strategies. They are all trying to compete for individual retail business, meaning getting you into the branch and making sure your needs are met, and they are competing for commercial business and for small business and so on.
We can see, as I think was demonstrated in some of my presentation, that the points of access are actually growing: there are more branches, more ATMs, more electronic banking, and more ability for a consumer to connect with a financial institution. In some cases the hours are also increasing. I think I can say that the trend is for more access and more services at more times of the day, which, generally speaking, is what consumers seem to want.