Scott Tipton actually said...

Part of the challenge for CRA is that, for the larger banks that cover multiple States, urban and rural communities, they get very little at...

And as we are listening to the conversation right now and some of the branch bank closings that we are seeing, just in my State, we lost 19 ...

But it seems to me a lot of the focus is just on urban America. I would like to be able to expand that out a little bit to rural America.

If we are losing these local branches and the access to being able to go in, with mobile banking, can it help customers actually address and...