Mr. Irwin, you suggested that many people might perceive the payday loan industry as not meeting a real need. I would suggest that in fact we see it as a big market and think maybe there is an opportunity for Canada Post to participate in it.
You made the point that one of the reasons payday lending is sometimes not very profitable is that there are a lot of defaults. In your business, I wonder, if it were possible to just get the Canada Revenue Agency to collect money from those who default, would that help to make it more profitable?