Thank you, Mr. Schiller.
Ms. Sitlington, you spoke about postal banking. I want to address that with you quickly.
In the task force report, Canada Post said it would be entering into a well-established banking market that would be highly competitive. The challenge with the banking industry is that salaries are traditionally less than those of Canada Post. I want to understand how Canada Post can compete in the banking sector when we already have these well-established banks in the system operating at far less cost.