Gentlemen, thank you for coming in. I have a whole series of questions that I was just writing down while you were speaking. If you can keep your answers short, I can get through as many of them as possible, because otherwise I'll have to pass them over to my colleague to make sure we get through them.
Mr. Cavanagh and Mr. Keefe, both of you mentioned postal banking. Do you imagine Canada Post starting up a full-on bank, or do you imagine Canada Post using its current locations to allow the chartered banks or credit unions to open up a kiosk in those locations?