I think the challenges it would face would be to look at implementing this process, as I said, in a gradual and systematic manner, not jumping into it. If they jumped into it, that would be a mistake. It would be a mistake just to say, okay, tomorrow we're going to offer postal banking everywhere in the country etc., with full bank services.
Also it would be challenging if they didn't partner with both the federal government's banking expertise, the three federal institutions that do banking, plus private banks and credit unions, which could help to offer certain services. If they were to do so, the challenges would be very small because the point is that this is a known. The vice-president for financial services in the U.K. offered to come over. He said, “I'll come over and tell you how to set it up”. It was a kind of a joke, in part, but what I'm saying is that this is something in which there is world expertise that we could employ. It's not something where we're out there asking “What is this? How do we do it?” No, there is lots of expertise.