Gentlemen, thanks for being here today. It's a pleasure to be back in this area. I came in January and toured the Davie shipyard. It is phenomenal, and the best in Canada. I hope we'll have an icebreaker being built there soon.
For the gentlemen with Desjardins, I was fortunate enough to have a lot of dealings with Coast Capital Savings in western Canada, and they always hold you up as a role model. Congratulations on that.
You talked a lot about going to digital and no longer mailing out bills. You must have a fair number of senior citizens as clients. We hear a lot that seniors don't have access to the Internet and that seniors cannot adapt. I have a stronger faith in our seniors, but what kind of feedback are you getting from your seniors, or how are you preparing for a purely digital banking world with this cohort or this demographic?