Merci.
Thank you, Mr. Campbell, for appearing and for your comments. I think there's been some discussion amongst parties or at committee on this bill and I think there's general agreement that it's a good advancement, it's a modernization and largely technical. We look forward, of course, to the other presentations and your recommendations, during clause-by-clause, on modifications that could be made to take out the irritants and make it work and achieve its goals.
But it's difficult to have the bankers here and not talk about something else. One of the concerns we hear of in the Canadian public is this. It appears that at a time when the banking sector is making increased profits and seems to be doing well both domestically and internationally, and on their brokerage arm as well, we see a proliferation of fees, and sometimes not with great understanding by consumers. So I would like you to take this opportunity to explain to me how fees for ATMs, for example, are established. Why is there such a differentiation? Sometimes if I'm in a restaurant and I have access to one, I'll pay a different fee than I will if I go to my local bank or to a competitor's bank and use their ATM machines.
Could you help us understand that process better?