Okay. Fair enough.
Ladies, I just want to get back to the bit about postal banking and payday lenders. We had someone speak who used to be with the industry. He was testifying that people using payday loans are not street people. They're people with jobs and with bank accounts who just cannot access the cash.
How would you see postal banking working? Would you offer a similar service, but only to people without bank accounts? We hear a lot of myth creating that the payday loans people are vultures seeking money from a certain demographic, but it's their demographic that they're working with, and it's people with jobs who need the cash immediately. They also have a 20% crash rate on the cheques that are being cashed and being defaulted on.
How do you see Canada Post having a system set up to go after 20% of people who default on cheques through postal banking?