Okay, thank you very much.
Thank you all again for coming. As I mentioned before, we have had a number of representations across the country regarding the possibilities of postal banking. We were looking forward to an opportunity to test some of those assumptions and some of what we heard against people in the banking industry.
The banking industry has faced the same style of pressures that Canada Post has faced in terms of digitization and the pressures it places on industries with a large physical footprint.
Mr. Hannah and Mr. Martin, could you talk a bit about how your organizations have restructured their efforts and dealt with having such large real estate assets, whether or not to leverage them, whether or not to dispose of them, and how that has evolved over the course of the past decade?