Thank you very much, Chair.
Thank you very much to the panellists for being here this morning. It has been very interesting.
Just off the top, because I don't have much time, I did want to address this.
Ms. Schinke, thank you very much for describing your industry. As a former banker turned social worker, I'm very aware of the emotional component that goes into the behavioural aspects of your work. Your industry does fill a gap in the financial services marketplace. Indeed, there's a huge difference between payday lending and the kind of transactional services that I understand would be more appropriate in a postal banking environment, whatever that is, but I certainly recognize that there's risk involved in any kind of banking enterprise and that has to be fully evaluated from a business point of view. Thank you for your testimony on that.
What I'm hearing from the business community here is that you're looking for a reliable business partner, and Canada Post has been that partner, but there are some pain points, as you so aptly put it, Ms. Mackintosh. What kinds of other services would you see, if we could smooth out those pain points? What would you be looking for in that reliable business partner, especially with parcel e-commerce delivery really growing?
I'll start with Ms. Mackintosh, and then go to Ms. Moffat.