Thank you for the question.
Interestingly enough, I have a background in banking. I worked for Scotiabank for 10 years. At the very same time, I worked at a place called Money Mart in Saskatoon. I don't think it's a common misconception that the people who are attending those places are indeed people who tend to be less fortunate. I appreciate that those payday lenders were implying otherwise, but that was not my experience, and like I said, I worked there for 10 years.
When it comes to postal banking, and if the concern is whether the public would take on a responsibility for it [Technical difficulty—Editor].