The other question I had—and most of it was answered—related to the fees surrounding ATMs. One of the issues raised in the Parliament of Canada by various opposition parties—and sometimes we share some of the same concerns—is that other countries don't charge ATM usage fees to their customers. You've very eloquently stated why Canadian institutions do charge.
I suppose when you say we're one of the largest users of ATMs, that we have one of the world-class systems, we could argue that the reason we have this is that people pay such high user fees. Therefore, you're able to build it, and you keep building on that.
I think we need to be able to articulate appropriately, especially when folks are trying to pay their credit card balances or bill off before they have to pay interest. When people use the services that banking institutions provide, and they see such profits at the same time as they're struggling to make ends meet, you have to be very sensitive, not only to be able to articulate in saleable ways but actually to deliver vis-à-vis comparing the fees that people pay now, and to be able to show....
What I'm saying is that when we go to the gas pumps, we see the little scale from the gas companies that says exactly how much profit they make vis-à-vis the costs that are incurred in producing the product, and who's taking a bite out of that. I'm wondering if there isn't a better way that you could articulate to your clients, who are our constituents, to show them why those fees are as good a deal as you say they are.
Would you like to respond to that?