The time always flies when you're having fun.
Thanks for joining us.
Mr. Pareis, I appreciate your comments. I accept that you're not going to be an expert and it's difficult to answer everything, so if you don't have an answer, please feel free to say so and we'll just move on.
About postal banking, I don't fully expect you're going to have the spreadsheet showing how you're going to make money. It looks as though you've read a lot from the CUPW report. Do you have thoughts on services provided? There's been talk about doing mortgages or doing this, this, and this; we know that's not really practical. Obviously, the idea is to make money. Have you given any thought to which services might be provided?