I want to thank the witnesses for being here.
We've touched on a few points. It's true that the access landscape has changed over the past, I'd say, 30 years. It has changed for banks. It has changed for gas stations. It has changed for grocery stores. Banks and credit unions are still present in rural communities, but not so much in T-shaped communities, where one street crosses the other, and I think that's where we're getting some heat or some comments from certain constituents. Then again, you ask them where they get their gas, and they say they get it in town. It's just a matter of everybody getting used to changes.
The other point I have is about access to the Internet. That's a problem. I wasn't expecting you to come out in support of postal banking. I think we've heard your positions in the previous testimonies. If there was a role to play—I think what the task force came up with is maybe there could be a potential partnership for....
I think of my grandmother, who needs a place to deposit money and take out money. That's all she needs. If she wants a loan, she will drive to town. She still has about 15 to 20 years to go, hopefully. She will be over 100 by then.
Do you see a role for a potential partnership like that, where all major banks and all major credit unions could be part of that banking system?