I'll come to postal banking in a minute, so I'll stop you because I have very little time.
In countries across the world where the post office has declining revenues, they have adopted postal banking in different forms, whether it's private or public partnership, etc.
Where would you like to start the pilot project for postal banking, and what other international experience options, other than postal banking, have you ever looked at? Some academics have told us there are tactics from across the globe that you can probably adopt.