I want to answer your question, but I want to address a point in there that I think is implicit but needs to be understood. The way you framed it, it's as though banks as a group compete with credit unions as a group, which compete with caisses populaires as a group, which compete with crown financials as a group. It doesn't work that way. Each individual institution competes with each other institution.
What did the world look like in 1968? Well, there would have been banks that wouldn't have necessarily been exactly the same ones as you see now, competing with credit unions that wouldn't have necessarily been exactly the same ones as you see now, competing with government agencies that wouldn't have been exactly the same ones as you see now. So how Canada Post's operation would have fit into that is hard to say because the environment has evolved broadly.