I thank you for the question.
We are certainly very open to engaging with the government in terms of exploring partnership opportunities. We've had examples far back in our history of small-town credit unions and postal outlets even sharing locations, so I think that if there are opportunities to help each other out, this is something we'd be open to taking a look at.
I think the big challenge is that with the continuing development of technology, even our credit union physical locations are finding it a challenge to keep up with consumer behaviour. Branch traffic through the doors of a credit union branch in a small community has significantly declined as members look to other innovations, such as mobile banking, computer-accessible banking, and even mobile banking on smart phones and by other means.
In one of our credit unions we've recently introduced an innovative approach with a mobile advisory centre, literally a branch built on wheels, that travels to remote locations on a periodic basis to try to serve the underserved areas where permanent physical locations can be underused. We've had this service up in northern communities, in aboriginal communities, and in other areas where more of a part-time service is appropriate.
This is the kind of thing that we're trying out. We'd be happy to discuss those opportunities.