I would also recommend postal banking. I think it can certainly work. The studies show that.
In this city, we have seen a lot of banks closed. In fact, in my own area, when the CIBC closed in 2000, you saw four payday loan companies open up. Two of them closed, and there are now two open. However, that's an example of where postal banking could work, and especially in areas which are underserved by banks. I mean, this is a way that a public service could provide a critical service in areas that really need it.