I'll take what you said. I don't have an answer right now. It is not simple. I don't know what the answer would be. I do wonder if the answer lies somewhere outside of financial services. It's something I'd ask the committee to look at, to consider whether or not there are alternatives in other areas, where physical presence and physical delivery are key. But I don't really have a strong answer for you right now in the context of your specific question.
On October 31st, 2016. See this statement in context.