On Australia—and also on Switzerland maybe—there are consortia in Australia that were created maybe over a hundred years ago, but we're talking about entering a market today for postal banking.
There's a reason why Canada and the United States got out of that in 1968-69. It was because nobody was using the service. We're saying that to enter that today, with the legislation in place, with the regulations, with OSFI, and with the international trade.... Plus, the fact is that in Canada, 99% of people have a banking account and only 7% of the population that we interviewed through EKOS surveys said they would change. There's that percentage of the population that says that maybe they would.
We can all ask ourselves the question, would I change tomorrow? Will you change? It means a lot of investment in technology, with risks from money laundering and risks from cyber-attacks, and it means retraining and having the right people in the right place. For all of that, we said that we did not favour that option.