Mr. Adler, perhaps I could give two concrete examples of where I think you're spot on in that analogy.
Royal Bank has had what we call northern outposts, where we've had difficulty bringing cash in. They are quite remote. We had tried to work around it in different ways. This would actually be an ideal way for people to exchange value.
As well, we have vulnerable senior citizens who are often in retirement homes, and we have had to send bankers in there so that they could pay for their hairdresser or their pharmaceuticals. This would allow the senior to retain their cash, and there would also be a trace on what they spent so that people who are vulnerable would be able to have their affairs audited.