I think that's a Ph.D. thesis there, a doctoral thesis for somebody, as to why Canada and the U.S. dissolved their postal banking services in the same year. Obviously, there were a lot of private sector financial institutions that were not happy with postal banking being delivered at all, so it was ended fairly abruptly. I don't think that was a good measure, but it was done at that time.
It's interesting to know that in the United States as well—it's not just in Canada—there's been a revival of postal banking issues. In fact, I went to the United States and heard Senator Elizabeth Warren and Senator Bernie Sanders, who are both advocates, as are many others, around postal banking issues in the United States. There's a move to reconstitute that, for the exact same reasons that we're talking about here: closure of rural banking branches and the fact that you can't get banking services in large parts of the United States in the same way as you used to.