Thanks very much.
In Canada we have a very competitive system. We have a number of different financial institutions competing for the business of their clients, and one of the ways they do that is to invest in networks like ABM networks to serve their own clients. We also do have a white label industry in Canada, white-label ABMs owned by institutions other than the banks. They also participate in this marketplace, and in fact they're the majority of the marketplace in terms of ABMs. So while banks do invest in the ABM network to serve their own clients, there is the possibility of getting your money out from another bank, a bank that you don't bank at. But there's a convenience fee associated with doing that. So it allows you the convenience to do that if you choose to do it.
Interestingly, a lot of Canadians don't choose to do that. They choose to use their own bank's ABM, or other ways of getting access to their cash. For example, at a point-of-sale terminal, you can get cash back and there's no fee associated with that.
So there's a variety of different options in terms of how you can get your cash, how you can pay for goods and services, and sometimes there are fees associated with the convenience of doing that. But the range of options exists, and consumers are making rational choices about what works best for them.