Let me start by acknowledging that the adoption of technology is not as easy it sounds for everybody. To the other presenters, I would acknowledge that technology is not the answer for everything either, but it's certainly the trend.
In terms of cheque cashing, to use that as an example, we see the use of cheques rapidly declining. Primarily it's being done through direct electronic deposit or by other means. We've started to move in the direction of using the smart phone for taking a picture of a cheque for deposit—