I'll expand a little on the two examples I gave.
Say we want to do a straight bank deposit. My cheque goes in the bank every two weeks. I don't see it, but it goes in the bank every two weeks. That's easy for me. It's not so easy in a community where there is no bank or no ATM machine, things like that. A lot of the things we're doing now we're pushing it to websites and autofill applications and so on and so forth. This is where the world is going, but the infrastructure is just not there for that.
Those are just two basic ideas that come to bear. There are other policies that work well downtown, how you should be dressed and what you do, but it's not going to work at -40, -45. There are differences and we need to be very cognizant of those differences. When we make a policy for the north, we should have the north in mind as we do that.