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Beach ... just rent a place. Construction takes too long.
HBKS ... worth a lot more with a couple of more branches at the Beach!
Too small isn't good ... need a little bigger footprint to be a takeout target. Just rent a couple of places at the Beach and stick some good-looking tellers in there.
Just put in a few little branches at the Beach so HBKS looks good on the map. Otherwise, out-of-town banks won't like the take-out profile.