There was some discussion earlier about bank accounts and the challenges in other countries with respect to bank accounts. We also have those here: If you do not have acceptable government photo ID, you can't get a bank account in Canada. There are low-income areas in this country and high immigrant populations in this country in which they are not yet in a position to do that, so I would imagine that this would eventually be of some assistance in that way as well. Perhaps you could comment on that.
Also, Mr. Thomas, you mentioned insurance. I've never known insurance companies to not be willing to find a way to sell insurance and make some money. Your parent company owns one of the biggest insurance companies in this country, Manulife. Is there any chat within the Power Financial group of Manulife or anyone else looking at ways, or is the cost just too prohibitive at this stage for companies to buy it?