We've heard it, we questioned it, and we investigated it. It's not something that we had a preconceived idea about. We really dug on that one.
We heard the Canadian Bankers Associations, callers, and stakeholders. We spoke also with organizations from France and from Great Britain that have those postal banking services. We've been told if they were to start today, they couldn't do it because there have been so many conformity obligations put on banking that they cannot conceive you could start it today.
In Canada, yes, you have only five chartered banks, but you also have credit unions, you have Desjardins, you have FINTRAC, and all the other types of financial institutions that constitute access. From the World Bank survey, 99% of Canadians are covered with the services of banking.
From the point of view of our criteria that we spoke about earlier, is there a space in the market? We didn't see space in the market.