In the final analysis, once it has been operating for a while, postal banking would offer all the major services that the traditional banks or credit unions offer. That doesn't mean that, from day one, they have to offer all of those services. Those services can be built up over time to offer those products.
Also, given the fact that we have the possibility of using the Internet, we can offer some services in a postal bank location via the Internet—for those who can get on the Internet but also for those who can go to a post office. I think it's something that.... Obviously, we've seen that in countries all over the world postal banking has been a large success. It's offered in slightly different mechanisms and certainly—