Can I comment on that point about incentive? As the minister said this morning, there are lots and lots of financial institutions. There are 70 banks and over 2,000 credit unions, caisses populaires, and trust companies. It is a highly competitive marketplace, and if you look at the spreads in Canada, they are among the lowest in the world.
The incentive, sir, is that the only way you can keep your head above water in a competitive marketplace is to try to respond. Again, you go back to responding to the needs of consumers. If you don't, you'll hear about it. If you don't, people will go elsewhere. They have those options.