I think that postal banking is still an extremely fast-growing phenomenon worldwide. The latest report shows that, so it's not something that is shrinking; it's growing worldwide in terms of the number of banking accounts, etc.
How a postal bank is managed, and whether it is managed in terms of a partnership with the private sector or a state-owned institution, depends a lot on the politics of the day in that particular country and how people see those developments.
As I said, we've seen very successful postal banking. I point to the French model simply because, obviously, Canada has a particular affinity with France and looks at what's happening in France for good reasons. That is one place where it has been very successful.
Even in the U.K., where it's not as extensive a model and where they've had private sector banks run the services for the post office, it's still a situation where you can go into any post office in the U.K. and deposit money, withdraw money, open savings accounts and all kinds of things like that, which is extremely important and which you cannot do in Canada.
I think we can do it in a number of different ways. Which is the best way to do it? I said that I have my preference, but I think that any step forward in terms of postal banking is important. It's important mainly for small-town and rural Canada, but also even in big cities where we have banking deserts. You have to go to the downtown or the central area of many Canadian cities, and you will find very few banking branches anymore.