Let's just put it this way. We could draw an analogy to the police. It's about boots on the street to deliver the most effective value, when it comes to walking, knowing your neighbourhoods, and so on. Instead of having an individual such as a bylaw inspector walk through, looking for potholes, checking on infrastructure, and watching the job sites, if the postal worker was part of a value-added contract, which the city could compensate for—as I said, I don't believe anything should be free—there could be some sort of arrangement. We already have a person walking the beat. It's a simple question of creating an app, taking a picture, and sending it to our network. Then there is a reduction in cost, because there is an efficiency driven into the system.
Having that person there is just one example. Another example would be delivering pharmaceuticals to seniors in their homes. We are trying to keep seniors in their homes. The question of trying to add better service to them directly, and reduce social service costs at the provincial level, has equal merit.
On the loan side, my new deputy manager of operations used to be VP with Canada Post. We had a good discussion about Canada Post giving out credit cards for online purchases—up in the territories, for example—basically acting as kind of a quasi-bank. You can't buy anything online without a credit card, so that's what they have been doing out there, which is very innovative and creative, and it works. The small transactional cost there could also be covered, and you could make a little money doing that. What's wrong with that?