Okay, fair enough.
Mr. Hannah, we were having a discussion earlier about the competitiveness of the Canadian banking sector, and of course you've suggested it's quite competitive. I've been a little more skeptical of that. Just to make sure I understand your argument correctly, is it that it's so competitive that Canada Post would not be able to get into it and compete effectively, or is it more the notion that in response to Canada Post entering the market, your members would lower their fees and respond in an effective way to Canada Post's entry?