Well, I mean it's a case-by-case basis. However, I have personally opened accounts where a person moves into a new housing project and there's a neighbour who's had an account with us for awhile, similar to a voter who has voted for awhile and is already on the voters list. They say, “He doesn't have ID right now, but he needs to open an account, and I can vouch for him”. I do open that account. We haven't experienced any fraud as a result of that practice.
That accessibility has meant a great deal to a lot of people in the neighbourhood.