Okay. I have to interrupt you there, because that's what I want to get at now.
To stand up a bank, what you're talking about every single day is cheque-and-and cash reconciliation at the location, compliance, quite a bit of training for the people who are involved, and licensing, because there are different federal and provincial licences that you have to obtain to sell different financial products.
You're talking also about having money-laundering controls and procedures in place to prevent money-laundering operations from abusing a service like that. You need on-site security, and you need to adopt SAP software in order to be compliant and to be able to communicate with other banks.
This seems to me like a huge cost increase for the 7% of Canadians or the 11% of businesses who may use this. In unique situations like Bell Island, I could see that there's a—