That's a fairly big question. We're talking about re-invention here.
Since Desjardins is a co-op and serves a very large population, we involve our members when we're looking for ideas like this. Many have brought up financial technology.
For example, Desjardins has set up laboratories, particularly with young people. It's involved in social networks where it will take its ideas. It creates outright laboratories to develop new products, which can then be included in the group or not.