The preference, absolutely, would be to go through the outlets first, if you have an outlet in the town. If it isn't an option, if the credit unions have already gone in there and taken care of it, then maybe that's not the option we want to look at in that region, but we have 6,000 postal outlets around the country and a lot of the banking....
I am speaking more about an urban setting. I am from a small rural town myself, in Saskatchewan. In the urban setting right now, the only ones coming in and filling in the void of any kind of banking—payday loan companies—have no banking. We are talking about basically ripping people off, with 400% or 600% interest rates. That's the angle I would come at it from. That doesn't seem to be an option that could work in an urban setting.
I'd have to do a bit more investigation to really give you a concrete answer on rural settings.