Certainly on banking we looked at banking over the years. We had a couple of pilots on banking many years ago. The second one ended in 2006. Coming out of the 2008 economic recession we lost almost 20% of our assets in our pension plan; it was a general worldwide economic recession. In 2009 we lost $300 million in revenue on a year-over-year basis. We were looking at opportunities to improve our self-sustainability. One of the areas we looked at—it wasn't the only one—was banking and we did some reviews on that.
On November 2nd, 2016. See this statement in context.