We have sent an application form to every one of our branches for them to complete. They are looking at their 2019 expenses in 11 separate categories and putting down what they are requesting for funding for 2020 to meet the expenses in those categories. Each branch has to provide a copy of an audited financial statement or a review engagement or an approved budget so we know exactly how much it had expended in these various areas. You're right that some branches do not have a mortgage and some are not paying rent, but they may have higher costs in other areas.
Our goal is to make sure that we can make a definite impact on the branch.