I see a real parallel with your comment about running a business and how things add up. Everything adds up.
To touch on your comment about seniors, there are people who are much more comfortable in person and there are people who have mobility challenges who are grateful they can manage things remotely. Technology also brings security options. My mom loves being able to go into her Wealthsimple app and lock her credit card so it cannot be used. She can turn it on and off in her app. Lots of institutions have those features. As long as there is a market demand, the market is well positioned to fill it. Whether that is in-person service for people who prefer it or....
We have a group retirement savings plan that we initially launched to serve our own business. You heard last week C.D. Howe saying that only 19% of small and medium-sized businesses offer workplace retirement savings plans, and that's a concern.