As we said and outlined in our paper, we have a system in Canada where ABMs are one of many options that you can use to access your funds, where you can pay for goods and services. It's part of the network that is offered to clients in terms of online banking, telephone banking, ABMs branch availability, and so on.
The other thing that's really been growing in volume over the past number of years is the point-of-sale network in Canada. It's interesting to compare that to the U.K., for example. Point-of-sale doesn't seem to be as big an option for consumers there, but here in Canada people are using it as a means to pay and also get back cash. So if you're using your debit card at the point-of-sale to buy your groceries in a grocery store, you can also get cash back right then and there. It's interesting, because merchants appreciate this option as well. For the small business, it's a cash-rich business and also a way of managing their cashflow.
In Canada, there's a system that provides options, choice, and convenience to customers.
But I would go back to what my colleague said earlier in terms of affordability. In Canada, there's also a whole range of service packages. The FCAC and banks encourage you to talk to them and look at the options that most suit your needs, your patterns of withdrawal, and so on.