Yes, but that means you're saying the USPS has some kind of advantage locating where there are disproportionate unbanked and also a dearth of banks. But I keep hearing about the unbanked as being an issue of large urban areas, which don't have any shortage of bank locations.

So for these five or six people in rural areas that can't get a bank account, and aren't complete deadbeats, and can't get to a bank as easily as they can get to a post office, the USPS has a cost advantage in serving them. Okay. I just don't see numbers that make this a big source of free money.