Mr. Paquette, since the issue was raised in the House about ATM fees, I did communicate with the banks about that. I have a response from the Canadian Bankers Association, and I've gone ahead and communicated directly with the banks again. I'm looking for a more direct response on that issue.
I did have occasion to meet with the credit unions. I mentioned this in the House of Commons when the issue was first raised because this is really a question of competition and choice. I'm not familiar with the practices of Groupe Desjardins in Quebec, and elsewhere where they have branches, but I am familiar with the other credit unions across Canada, who informed me that they have a network in one instance of I believe 1,600 machines, and another one of 2,600 machines, where, if you're a member of one of the credit unions involved in that network, you do not have to pay any fee if you use the machine either to withdraw money or to deposit money.
So for many Canadians there is choice with respect to the use of ATMs belonging to other financial institutions than the one they do business with directly.