Ms. Trudel, I would also like to add that, when we carried out the consultations with Canadians, 99.1% of respondents said that they had a bank account, be it in caisses populaires or other financial institutions. When we checked with citizens and companies, only 7% of individuals and 11% of the industry said that they might use postal banking. Given that 99.1% of Canadians already have an account in a caisse or in a bank, the market is very limited. As Ms. Bertrand mentioned, we have to take into account changes to legislation, international trade, policies of the Office of the Superintendent of Financial Institutions, OSFI, and all relevant regulations. In addition, that would be bordering on a conflict with caisses populaires, which are often located in rural and remote regions. Money laundering also has to be prevented. Investments would have to made in too many sectors.
In short, after considering the issue, we concluded that, in our opinion, that would not have been a viable operation. However, you feel that this is another story.