No, definitely not. I don't think they can compete on that kind of basis. I think they can compete with the basic things, for example, a solid, safe place for a night depository for businesses. Those are pretty simple kinds of things. The pick-up comes. Armoured trucks are coming through the community anyway. It's not a big deal in terms of that. I mean there could be basic services to open an account for seniors, particularly seniors who don't get out much. It gives them the access through Canada Post, a very simple kind of thing. I'm only looking at a small group of these, because with this electronic development you know everybody shops for their mortgage rates online. We're not into that kind of thing, no.