Thank you for that. Certainly we recognize that there's a full range of financial services that a bank could offer, and indeed there are banks that have more of a specialty in one or the other.
I just want to put this out to the panel, since I am the final questioner. To sum it all up, do you see Canada Post as being a service or a business? If it is a service, who should pay for it, and if it is a business, should it be held to the same standards as a private sector business?
I'll start briefly with Ms. Friesen.