The key problem for retail banks right now is that they don’t capture revenue effectively through mobile, web, tablet and other channels like most other industries. While there is a role for the branch moving forward as Chris points out, the bias that exists in serving and selling to a customer through the branch is still alive and well. That distribution channel is hopelessly inefficient and overburdened with a ton of process and complexity that simply adds to the cost structure. However, there is strong defensibility of that model because there’s no commitment to alternative revenue streams.