I'll quickly ask this, Dr. Callon. My colleague from the NDP often points out that branch closures is a big problem. Your document in fact documents some 937 branch closures since 2001-02. I'll come back to this, if you don't have enough time.
Generally, I'd say that our banks are pretty good. We have a good banking system, and they're good corporate citizens. But could we make a case here that they may be skimming some of the markets and not really providing good service for the market they've been given?
Think about it and we'll come back to you.