A number of other studies have been done, including the one by John Anderson from the Canadian Centre for Policy Alternatives. I don't have that study with me, but it explains why Canada needs postal bank services. The infrastructure for that service is already in place. This has been done and is being done around the world. I don't think we are dumber in Canada than elsewhere.
The other point is that Canada Post had the means to invest over $2 billion in the transformation of the postal service, basically for mail delivery. If Canada Post was able to invest a little over $2 billion to deliver letters while it's claiming that the sector is declining, Canada Post should be able to make good choices.