On the two paradigms, that is a very familiar set of paradigm questions that apply to the credit union system and to financial services, so we have that in common with Canada Post.
It really comes down to physical delivery models that have built up over a period of history, and now moving to different methods and different access channels through the use of technology and other approaches. In small towns, we face the same challenges of whether to reduce services to the point of closing the door or of finding other methods of addressing those same services.
It's not exclusively a matter of expanding the business and getting into other lines of business that might not be core to the business of the entity. We stay quite carefully focused on providing financial services, and we look at augmenting that activity based on the needs of the members in the communities. Our biggest channel is to develop different methods as demanded by consumers in terms of access to that channel.
That would be my main focus or suggestion: to think about the different ways and means, and to think about innovation in how the services can be provided.