I would like to take you to the postal banking part. Mr. Whelan brought it up as well.
We chatted with, I think it was a previous Money Mart executive about cheque cashing, which we're hearing a lot about. People are saying they need lower-priced cheque cashing. They're saying their default rate is something like 20%. That's a difficult question, but give me your thoughts. If we did have government-controlled postal banking, how would you see going after this 20%? The first time, we would have to repossess someone's car or truck for not paying.