Great. We don't have much time.
Gentlemen, witnesses who have appeared before us who are proponents of postal banking, when asked about the difficulties of how they are going to repossess granny's house if the loans aren't paid—I guess Revenue Canada would come after them—but when confronted with the difficulties of everything with banking, their fallback was that they'll make a lot of money doing cheque cashing.
Mr. Irwin, we've heard that even companies with the same infrastructure and expertise as Money Mart have very, very slim margins. Do you think Canada Post could make money by offering their banking services in the relatively small rural areas that aren't served by banks?