I'll answer the first part and leave the second for Glenn.
In terms of postal banking, what I would like to express is that it is viable. It shows that it would probably, even in the task force report, have about a 30% market share right off the bat. That's in the task force response.
If they do pilot projects, as is common, I would like to see them done in a number of different areas, both rural and remote and maybe inner city, and identify a number of places to do pilot projects. I would encourage that they be offices staffed by Canada Post with CUPW members, not the franchises that people earlier have talked about. That would give the most control and would be the best way to assess how profitable they would be and what services they could offer.