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all of your bills at the post office. a whole variety of basic utility functions that the post office carries out. we can imagine an expanded vision of all the things in the u.s. post office with the amazing infrastructure it has in place could do. i do think there has to be some change. 20 years from now, we are not going to have the volume of paper mail. those things are related. they have been privatized and much more innovative over the last 20 years than the u.s. post office are the same phenomenal. they have had to compete not only with other private businesses but with each other. the swiss post office will scan all your mail for you and send it to you as electronic files if you pay them to do it. these are things that businesses do when they are faced with the fact that their market is declining an they have to figure out how to operate in a new marketplace. there is a real institutional resistance to that at the post office. i think these are both