The goal is in fact to get as close to 100% as possible, recognizing that in some instances there are some people.... This is for direct deposit in bank accounts, so if you do not have a bank account or if you do not have access to a financial institution, there are some provisions for the government to be able to provide you with the money in a cheque form. However, we have found, and it has in fact been demonstrated, that direct deposit and electronic transfers to banks are actually more secure than paper cheques, which can be endorsed using different means of identification.
In fact, we have found that the take-up among seniors is among the most significant of all of our users. The challenge that we have for direct deposit is with small business, it's not with seniors.