Now, to get a bank account opened, you have to go to a bank and you have to go in and you have to meet with someone in the bank. But then after that, the banks don't want to see you. The banks want you to do everything online and digitally. We've seen in our community banks who have been closing branches and then trying to get people to go online to do their banking. Yes, they can telebank, but everything is moving towards the digital era. I live just three kilometres from Hastings—actually, Waipatu settlement. In Waipatu settlement, we don't have broadband and we are literally three kilometres from Hastings. I am hoping that through the Government's investment into marae and enabling marae, we will actually be able to connect into the broadband services. So it's touching many, many of us in many different ways.