I see a role, especially in rural Canada, where there's a lack, but again, it goes back to.... In my communities, caisses populaires are often there, but some of them are leaving, because I believe they just don't see a return on investment.
Yesterday I said that my grandmother still needs a place to go, in her t-community, to access banking services and if she wants to take cash out. I see that, but my grandmother is not going to be here in 20 years, so are we talking about a 20-year cycle or do you guys see this as a longer-term investment, a really long 20- to 40-year investment for postal banking?
Right now my generation doesn't go to banks. We rarely step into the banks. Even banks right now are calling themselves fintech companies. They have institutions, but as you reported, they're closing their banks more and more. There is still a market for that and especially for seniors who may not have the necessary skills to go online and they don't trust online banking, so they'd rather meet somebody in person. I do believe there is a role to play in rural Canada. But do you believe there would be a return on investment for 15, 20, or 30 years?