This map shows the difference between the actual employment in financial services and the expected level, based on the city's population and income. The financial services have become an important part of present-day consumption, providing a variety of banking, insurance and investment services. Some activities act like convenience retail (banks and credit unions) and others are more like retail shopping activity (stockbrokers and insurance companies). Still others are oriented to businesses, or deal with each other in concentrated financial districts in large cities. In general, smaller cities are more likely to have either high or low levels of specialization, since large cities tend to provide the full range of financial activities.