The postal service stands on its own — it does not rely on taxpayer funds, and in a time when technology and competition from private delivery services are cutting into its business, it is in a severe financial pinch. It's annual deficit is $8 billion-$9 billion, and the closures — which still must go through a public comment period and review by the Postal Regulatory Commission — will save a mere $200 million. Some savings, however small, are better than none, Postal Service officials say. That sentiment is right as far as it goes, but it does not go far enough. Major changes are needed in the way the Postal Service does business.