In terms of the potential market for postal banking, I believe you suggested it's quite limited because there are very few Canadians who currently don't have a bank account.
The table on page 38 of your report suggests that if Canada Post were to open a full service bank, 7% of Canadians would certainly use it and 22% would probably use it. If half of the probables actually did use it, you're looking at maybe 20% of Canadians using the postal bank.
Wouldn't that be a fairly big customer base, and comparable to the big banks that are already established?