I do.
I don't want to leave anyone with the idea that the process of digitization is over. We are in the middle of it, or perhaps two-thirds down the road. We can quibble over whether or not it's two-thirds of the road.
In the next 10 years, we know.... There are discussions in many countries, including Canada, about digital passports, digital driver's licences and digital health cards. That's coming. We know it's coming. My point is that we won't be dealing with a.... I didn't say we should end letter mail; I said we should be planning on its very imminent demise, so that we don't have to worry about it.
We should really be focusing on what Marvin said: How are they going to get back into the game in parcels? That is their core business—parcels and letters—and if they don't get back into parcels, then their future is very bleak. I don't believe they have a snowball's chance in hell—pardon my language—of getting into banking. We have one of the most dynamic and brutally competitive bank systems in the world, which is why the French banks didn't come in, or the Germans, the Swiss, the Americans or the British. They know they wouldn't make it here.