I can't comment specifically in any detail on Swiss Post, not being an authority on Swiss Post per se. I can apply the broader lessons that we've been talking about across multiple geographies, such as the success of the banks that are serving unmet needs.
Depending on the source you choose to cite, the under-banked population of Canada is either 6% or 1%. In our view, it leaves relatively little opportunity to go after new market space with essentially the same capabilities as an established industry and try to compete for that business.