I'm sure you have a recommendation around those issues, but certainly we have to have clear definitions of what is rural and what is urban.
As I said, in Canada it's not that difficult because we have these large CMAs, which you can name on the fingers of your hands, where most people, the vast majority of people, are living. They're not living in the small towns, and yet we're not growing small-town Canada and we're not providing it with the services that it needs. One of those services is postal banking, but that's also the case in some of the big urban areas, because in some of the big urban areas we have closed down the bank branches too.