Based on what was provided to us, and I think we explored the subject thoroughly, there was no reason to recommend one avenue over another. None of the approaches could be applied in the same way because each country has its own specific features.
Consider postal banking, for instance. If that had been proposed under other circumstances and our country had not been recognized for the past eight years as having the best banking system in the world, there would have been other things to consider. In short, this difference was clear to us.