Fair enough.
You see, we're here to get creative ideas. We're not constrained by financial sustainability. I shouldn't say we're not constrained by it; we find solutions for it. We can't say, “Here is my problem, and my solution is cut, cut, cut.”
Here is a part of a problem. We need solutions for it. You came up with an interesting concept of postal banking. We've been listening to postal banking, and everybody created this brouhaha that postal banking may be terrible because you have to invest millions of dollars.
I did some research. Brazil has e-commerce banking. Its postal banking is e-commerce banking, and it is doing very well. I've just come back from India, and Narendra Modi wants to reach out and be inclusive. India has a huge rural population, so he has actually commanded his minister of finance to utilize the postal network to help get banking into rural communities.
Everybody has a smart phone, so my question is, do your seniors have smart phones or cellphones that would help them?