We have to take a playbook out of other areas. If you go to the micro-loan industry, and you look at India, and you look in third world countries, there is a gap between what the banks are serving right now and the payday loans folks, for example, who were here previously. I think Canada Post can act as the societal hub. For example, the argument is very simple. If you can't get a bank account from a traditional bank, how am I supposed to get you your cheque from the government all the way through? There has to be a stopgap measure someplace in here so that we're not suffering inefficiencies with regard to the transactional costs of some of these other companies. I think Canada Post can be that hub, and certainly in those deep urban centres with those individuals of no fixed address, for example, who need a bank account.
The other argument is on the micro-loans side, also as a societal hub. We're not talking about tens of thousands of dollars. If you want to have great community impact, then sometimes it only take a hundred or a thousand dollars for these entrepreneurs really to start moving forward. We've learned those cases, and those cases are in other countries. There are those opportunities as well.