Minister, I want to begin by saying I'm pleased with the role you were able to play recently with regard to mortgage insurance for the widows of Canadian veterans. I'm not one to give Conservatives credit too often, but that one certainly is worthy of it.
Further on the ATMs, on December 11 and December 29, in response to NDP questions in the House, you indicated you'd be raising the issue of unnecessary ATM fees charged by the banks. As we've heard, there is a differential between when the fees apply and when they don't, and of course from our perspective with the banks, with their $19 billion in profits--Mr. Nixon receiving $5 million in a bonus--we think it's time for action on that. If you agree with our position that the bank ATM fees are inappropriate, as you indicated before, why haven't you done something more substantial on these fees?